Looking through my current allocations with my 401ks and my target dates are probably overly aggressive. Meaning I plan to retire about 5-10 years before that actual date. Historically I wanted my funds to just have more an aggressive mixed based on my age. I’m still pretty young at 38, want to retire around 58 and as of today’s world believe I’m on track Just curious how others are structuring this? Are you planning now for a later date for these funds and plan to have something like a CD ladder or index’s to have choices where to pull funds from in the future or are you having your target fund actually closer to when you think you’ll retire? I understand target should be when you plan to pull cash out but that depends on a lot of variables like where you plan to park other assets to draw off
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