Date: Sat, 21 Jan 2006 17:18:12 -0600
From: "dumbstruck" 
Newsgroups: misc.invest.financial-plan
Subject: Re: lifecycle and target funds
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I think they are great in theory, but too timid and ultraconservative
in practice.  When I have checked their returns they have been near
zero due to sticking to retro standbys of large cap growth and too long
term bonds, which have been predictibly horrid for some years now.

There are other hybrid funds with a more mildly conservative strategy,
such as diversifying with international and maybe some less
arthritic-huge-cap, in funds like ffnox or fgblx.  They don't increase
bond holdings later on, but this could be better anyway according to
some worried about inflation.