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I Whoel hareted Agree with The Vast majority Of Savers to Use A Target Fund,b ut for a Another Reason> The majority of savers/investors have far too little knowledge on investing and Target Funds will give them the better shot at doina as well or better than Indexing and not have to constantly 'Rebalance' it all the time ( ie: more Bonds as get older) . However, MY 1st Choice? > Balanced Funds still lead the way.. that is those that are 60/40 mix.. and Own Different Fund Familes of Funds/Stocks that Outperform those Target funds that own only their Own Funds in their family..So take your pick of either type, just as long as you DO pick on and Load it up to the Max you can afford..