u/juicystraps

Hey everyone, first time posting here!
I’ve been investing in a Vanguard Target Retirement Fund for about 5-6 years in both my Roth IRA and taxable brokerage account. My uncle originally recommended it when I was younger and just getting started with investing, and it’s honestly been a great way for me to get my feet wet.
Now that I’m 30 and understand investing a little better, I’m considering moving the money into VTI or VOO instead.
I understand that I’d be giving up the bond allocation and some diversification that comes with the target-date fund, but at my age I’m wondering if taking on more risk and going 100% makes more sense for me long term.
Am I thinking about this the right way? Would you stick with the target-date fund, switch to VTI/VOO, or do some combination of the two?
Also, would your answer be different for the Roth IRA vs. the taxable brokerage account?
Appreciate any advice!

Does anyone know how long it takes to get a replacement card if you lose yours?

I’m super bummed because my dad misplaced mine, and I’m honestly a little hesitant to order a new one after reading some of the horror stories about people getting stuck in limbo. 😭

It’s the only card I use, and I really enjoy stacking BTC rewards, so I’m pretty torn. I’m pretty sure it’s either in his car or somewhere in his bedroom since no one has used it, and I still have it on Apple Pay, so I’ve been getting by that way.

Would love to hear how long your replacement took and if the process was smooth. Thanks in advance! 🙏