Who said anything about using retirement accounts. I said use target date mutual funds. You can buy the Vanguard 2055 TR in a normal brokerage account. You can

Who said anything about using retirement accounts. I said use target date mutual funds. You can buy the Vanguard 2055 TR in a normal brokerage account. You can also get it in an IRA. I will admit that 401k and equivalent accounts can be a pain because you don't get to pick the available funds, but that wasn't the original issue being discussed.