VL VLXVX Vanguard Target Retirement 2065 Fund Loading... : Bullish and Bearish Analyst Opinions

The author argues the Vanguard 2065 target-date fund holds less than 9% bonds, so it is not 'poison' for an aggressive investor seeking minimal fixed income. The mechanism is that a far-dated TDF still delivers near-equity exposure with global diversification, letting the investor stay aggressive without manually assembling funds. No specific catalyst or time horizon is given; the main caveat is that it still contains some bonds.

The author argues an investor can be very nearly 100% equities with total global coverage by selecting just the VLXVX 2065 fund in the 401k, VT in the Roth IRA, and a US plus International fund in taxable. The mechanism is that the far-dated TDF plus total-world funds deliver global equity exposure with minimal bonds across the whole portfolio. No catalyst or horizon is given; the main risk is that the TDF still carries a small bond allocation.