I’ve heard several guys say to stay away from investing in the retirement target date positions offered by Schwab. Anybody mind explaining why? Also, can someone explain what the difference is between the B fund and C fund. I’ve tried to research it and all that I can come up with is that we’re being paid our 16% from two different sources??? Something like 9% coming from the B fund and the other 6% coming from the C fund??? How or if that effects my account... I don’t know.