re: Should I change my Roth IRA fund?

I think the fund allocation is too simplistic and it should be more sophisticated as your nest egg grows and you get closer and closer to retirement. It also assumes your risk tolerance based only on your age.
The only asset allocation Vangurd does with these tgt retirement funds is they merely adjust the % of the funds as time goes on.

Simply owning 4 funds within the tgt retirement fund:
2 equity funds
- US broad mkt index equity index fund
- Intl. broad mkt equity index fund
2 bonds funds
- US bond mkt index fund
- Intl. bond fund index fund

Is a lackadaisical way to invest for retirement in my opinion.