Target Fund - Avoid it getting to conservative?

Newbie

I’m 32 looking to retire hopefully by 55-60, hopefully retire around 2050.

I invest in target date funds in my 401k, HSA, and IRA. I also have a brokerage account invested in one index fund (VTI). Salary is about $180k. I aim for 30% annual gross contribution to a traditional 401k, backdoor for the Roth IRA, HSA, and brokerage combined focused on maximizing the tax advantaged accounts first.

I’m invested in VTTSX the 2060 target fund. Which is currently 90% stock and 10% bond. How do I stay on top of the investment becoming more conservative? I’m thinking I would want to move to a 2070 target fund etc to keep the 90/10 ratio going till I get much closer to retirement.

Any tips on how to manage this? I’m aware I could make trades in my Traditional 401k, Backdoor IRA, and HSA to change funds without tax implications right now. Of course I’ll pay tax in the future for any pre-tax funds. Hence, I would like to keep my investments “aggressive” for as long as I can.

Posted May 8, 2026, 3:47 PM UTC

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