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@catcher2000 Yes. That is correct however if you look at the allocation, it isn’t all stocks even when you have 36 years until retirement. That was my mistake and why I made less in the timed plan and have moved to all SP500.

@nidge This. I was doing a fund like you have been in but there is too much you aren’t making with that approach for now. When you get closer to retirement, a date fund makes sense. For now with many working years please do sp500. You will do so much better. I did 4 years ago and doubled my...