401k advice-S&P Index Fund or Target Date Fund

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Lawman2036 is age 40

Post Body

I am 32 and have historically invested my 401k contributions in a target date fund given the terrible lack of options for creating my own mix with low expense ratios. However, the company I’m invested with does have an S&P index mutual fund. It seems like the performance is historically much higher over the long term for the S&P fund and as I’m 30 years from retirement I have no problem weathering market ups and downs. Am I missing something or should I move all my future contributions into the index fund instead of the target retirement date fund?

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4 years

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Profile updated: 20 hours ago

Posts updated: 1 month ago

Lawman2036

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r/personalfinance

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Posted: 4 years ago
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