### Comment:
Target date funds perform the ever so complicated math of 'x % in index funds and y% in bonds, adjusting every year or so by your age'.  
  
 I mean, you think it's easy to log into a website once every year or two and rebalance? You think you're hot shit, bro?

### REPLY:
Hold on there buddy. You’re forgetting where they require 30% in an international index that has had a historical return of 2% a year.

### END.