re: Should I change my Roth IRA fund?

I’d argue that these funds are too simplistic.
Again, they’re great if you don’t want to put any effort at all but I feel like that’s a pretty lazy approach to investing considering this is your retirement money we’re talking about.

Take the tgt retirement fund 2055 for example: VFFVX
2055 is over 35 years away so why allocate 3% to an international bond fund and 7% to the total bond mkt index? Seems like a wasted opportunity for growth if you ask me.

Also, compare any vanguard tgt retirement fund’s asset allocation from 2045 to 2065.
2045, 2050, 2055, 2060 and 2065 have almost identical asset allocation!

Oh and 90% of your holdings are in TWO mutual funds. One is a broad market US equity index fund (VTSMX with +3,600 stocks) and one is a broad market international index fund (VGTSX with +6,000)!!! Whoop dee doo.
Cookie cutter.