Vanguard Target Retirement 2045 is a type of 401(k) retirement plan offered by Vanguard, one of the largest investment management companies in the world. The plan is designed for investors who plan to retire around the year 2045, and it automatically adjusts its asset allocation over time to become more conservative as the target date approaches. Whether or not this plan is "good" or "bad" for you depends on a number of factors, such as your investment goals, risk tolerance, and overall financial situation. Generally speaking, a target date fund can be a good option for those who want a diversified portfolio that automatically adjusts to become more conservative as they approach retirement age. That being said, there are some potential drawbacks to target date funds, such as higher fees compared to other investment options, a lack of control over individual investment choices, and the possibility that the fund may not align with your specific goals or risk tolerance. Ultimately, it's important to do your own research and consider your own financial goals and situation when deciding on an investment strategy. It may be helpful to consult with a financial advisor to get a better understanding of your options and what may be the best fit for you. chatgpt
当然这问题建立在你真实的investment horizon和risk tolerance之上。 如果你没15-20年，那么这投资不适合你。 如果你是高危险高回报的人，那么也不适合你。 但我各人觉得如果你真是计划20-25年退休，那么这个必经broad和相比来说的401k投资应该是不错的。 是中年男人，我公司的401k就主要在vanguard2040和2045年中。同时也要说，退休金在整个家产中也要总体计划。 不要只盯着401k。