re: ZOM making a nice run

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I don’t agree with your premise, but that’s not the point. I’m not saying to match them, I’m saying to start there and build out your own mix. You have to start somewhere. If you are 90% in the S&P 500 and don’t know where else to start, you can do a lot worse than starting with the breakdown of LIVKX for a 30 year old.

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what premise? There's no premise. Target funds are not good. I posted an anecdotal story about my personal experience with them a few weeks back and when I realized that it was the general consensus, I decided to look into it and it's accurate.
If someone sees "Target date 2065", they're probably thinking "that must be aggressive as frick." But that just isn't the case.
For example, the vanguard total market fund has blown away its 2060 target date fund by quite a good margin in the last ten years. That's because the date fund has like 9% bonds. 40 years from retirement, that's absolutely ridiculous.