I agree, but in this case the fund composition is pretty simple.
Yes, Vanguard is reasonable with their target fund composition. But they did add international bonds at one point and increased their allocation to international, so there’s no guarantee that they won’t change the composition of the target fund.
Fidelity is also reasonable, as long as you stick with the index version of their target funds. Their non-indexed versions are crazy though. Here’s an example of the US allocation for their non-index 2060 fund:
Equities
49.59%
Fidelity Series Growth Company Fund
9.20%
Fidelity Series Large Cap Stock Fund
8.65%
Fidelity Series Stock Selector Large Cap Value Fund
6.07%
Fidelity Series Opportunistic Insights Fund
5.50%
Fidelity Series Value Discovery Fund
5.32%
Fidelity Series Blue Chip Growth Fund
4.99%
Fidelity Series Large Cap Value Index Fund
2.73%
Fidelity Series Small Cap Opportunities Fund
2.68%
Fidelity Series Intrinsic Opportunities Fund
1.86%
Fidelity Series All-Sector Equity Fund
1.80%
Fidelity Series Small Cap Discovery Fund
0.80%
Fidelity Series Small Cap Core Fund
0.01%
S&P500 EMINI FUT SEP23 ESU3
-0.02%
Commodities
0.71%
Fidelity Series Commodity Strategy Fund
0.71%
https://fundresearch.fidelity.com/mutual-funds/composition/315793729
As always, buyer beware.