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Thanks, all, for your help. I do understand how target funds work, and they don't "give me" the money; I explained/asked in a confusing manor. What I was looking at is that we would have the % amounts available for withdrawal in those funds during a time period--my error! But, in answering...

We hear a lot about "buckets of money" for our portfolios. I have (and my wife will have) a pension and SS that will cover 90-95% of our monthly needs. As she is not interested in finance, I want to simplify our Traditional IRA holdings so that it will be easier for her to deal with. Would...

Thanks to all for helping me out. As I look to "bucketizing", they looked like an easy way to take care of a part of one bucket. Thanks to your wonderful help, I think I will go back to "Plan A", and use my own mix/aa of Vanguard funds or Target Date funds.

As a new member, I have been searching through the forums and posts for information and opinions about Vanguard's Life Strategy Funds. How do they compare with the Target Date funds? I hear/read very little about them, but they look like a pretty good idea.