It seems like they would, as they get progressively more conservative as time goes by, give us most of the money up front when we are younger and less when we are older and probably less active. I am 65, and she is 59, and our current portfolio totals about $600k.
I agree with Oblivious Investor that you may misunderstand Target Funds.
* Target Funds automatically
become "more conservative as time goes by."
* Target Funds do not give you money "up front" or (any other time). You simply withdraw when and what you want.
Vanguard Target Funds hold over 15,000 securities. Adding another Target Fund should not add any more securities--You would be adding unnecessary overlap and complexity. The great advantage of a Target Fund is the simplicity of a very diversified one-fund
You can read more about Target Funds here:https://personal.vanguard.com/us/funds/ ... rementList
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