Hmmm - note - trad IRA - 1996 to 2006 Lifestrategy moderate and then traded that in plus all my leftover small side ventures(sm cap value index, REIT index, and high yield corp) and went Target Retirement 2015 at a young at heart age 63 plus my lonely file cabinet of DRIP plans and a few stocks.
Note that Lifestrategy has 25% Asset Allocation fund which moves between stocks, bonds, cash based on a quant formula.
The Target slides assets with age.
Like them both. Step back and see how they fit in your total investment picture.
Getting expenses down is a great first step.
heh heh heh