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It depends on the glide path of when the TDF switches to bonds at what age. For example if you have access to ITDH 2060 TDF which starts at 0% bonds and adds much slower it could be a smart idea to do something like 40-50% TDF and 50% SP500. It essentially gives you a 80% us/20% ex us split along with a built in bond pathway for probably around 0.12% expense ratio. Then when it becomes full bond percentage it ends up being around 25% bonds due to the split percentages. I like the idea. If you have a less optimal TDF option that starts bonds at 10% now or much higher expense ratio then doesn't look as good.
So you’ll just keep the TDF in the portfolio past the target date and collect on the bond interest until you need to fully liquidate the funds ? My Roth IRA has ITDH invested in, it’s Black Rocks TDF 2060