Idea: as you get closer and closer to the target retirement year, start investing in the newest target retirement fund that year. For example, if you are invest

Idea: as you get closer and closer to the target retirement year, start investing in the newest target retirement fund that year. For example, if you are investing in TR2060 now, start contributing to TR2070 in 2025 instead of sticking with TR2060. That way you can "choose" between multiple TR funds with varying levels of risk each year.