Looking for help understanding retirement fund options
Hi gang! Long time lurker, first time poster here- I’m totally bought in on the Bogleheads ethos and I love the support around here! Posting today b/c I am a bit hazy on one thing: the pros and cons of Vanguard target date funds for 401(k) investments.
Just a bit of context- I’m 28 and have a healthy amount of money saved up for retirement already. My company uses Vanguard to manage 401(k)s. I’ve had the working model since I started saving to buy the Vanguard 2065 retirement target fund, but I suppose I’m worried that I’m missing out or missing something by not managing my own basket of stocks and bonds. The expense ratio for this fund is 0.08%, which I get the sense is quite low.
Any thoughts or guidance for how I should approach buying aggregate funds vs. self-managing? Thanks in advance, y’all!
Edit: Thanks for the thoughts, everyone! Sounds like the guidance is just to stay the course, so I’ll do so! Appreciate y’all’s time.