Anyone subscribe? Interested in opinions regarding its value...

I’m interested as well. The target date retirements are VERY heavy on bonds.

I’m using the EZ tracker people. I’ve used them for about. Year and a half now. I like their diversification and they send out weekly updates on what they are looking at for the monthly allocation changes. I am going to spend time this weekend looking at my YOY return with them as compared to the benchmark. I’ll let you know how it fared.

Then choose a date that's further in the future. Just because you turn 65 in that year doesn't mean that's the fund you have to choose. Later dates have less bond exposure.

They are all heavily weighted with bonds.

Several years ago now a friend who subscribered to EZTracker compared my 401k Maximizer newsletters and said they were pretty much the same with similiar returns.

YMMV

If someone has a recent comparison I’d like to hear it.

The 2050 is 14% bonds.

A popular rule-of-thumb is 110-Age=Stock exposure (with the rest bonds)

This seems overly conservative to me, and would result in about 10% more bonds than what my target date fund would do.

I’m using that silly thing that was free for 3 months and now I’m paying. Whatever. I don’t have to think about it. They do all screwing around with the account. I’m up 7% YTD. How’s EZ tracker? I guess it’s only 1 month....but just curious.

S&P500 up 7.7%
VTSAX up 7.5%

Two good benchmarks to use

John Bogle created the index fund in the 70s and proved that on average it out performs all other finical products available to normal people (non billionaires). Warren Buffett won a million dollar bet a few years ago proving the same thing.

If there really was a company or hedge fund manager that could always outperform the market, everyone would use that person. If you do outperform the market, that has more to do with luck than skill.

https://www.forbes.com/sites/johnwas.../#37d004fa2a6c