So my company switched 401k providers, and one of the fund choices is Vanguard's target retirement plans. I've heard some tepid endorsement of these plans here, and frankly I'm tempted to just move everything over into TR 2035 and let it ride. Other than stock picking testosterone reasons, can someone give me a reason I wouldn't want to do that? My feeling is that since the international and small cap choices I have in my plan are more expensive (expense ratio) than I'd like, this is the way to go. Am I missing anything?