I’m not saying they’re perfect, but target date funds are meant to solve exactly that. They give you exposure to market upside over a long duration (so you can

I’m not saying they’re perfect, but target date funds are meant to solve exactly that. They give you exposure to market upside over a long duration (so you can collect risk premia when you have the longest horizon) and then gradually expose you less to the market as the fund approaches its target date.