7/10/22: Should I be using a target date fund, or can I create my own sort of target date fund allocation using individual index funds?

Rather than pay more in fees, does it make sense to replicate a target date fund on your own with individual index funds?

Have a money question? Email us, ask jill [at] jill on money dot com.

Just because you have the option of using a single target date fund, does it mean it's always the best option?

Have a money question? Email us, ask jill [at] jill on money dot com.

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"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.