This is less than ideal. higher expense ratio, under preforms, and my employer does NOT offer any other choices. I will do the minimum to get the free employer match of 5% and put the rest of it towards my Roth IRA where I can invest it into my own strategy.
I am curious to know people's thoughts.
This is the Morningstar review: [TRMOX – T. Rowe Price Retirement 2065 I Fund Stock Price | Morningstar](https://www.morningstar.com/funds/xnas/trmox/quote)
This if for those who don't want to click off: Portfolio
Equity Bond
# Asset Allocation
|Asset Class|Net|Short|Long|Cat.|Index|
|:-|:-|:-|:-|:-|:-|
|U.S. Equity|67.16|0.05|67.21|50.10|54.80|
|Non-U.S. Equity|29.58|0.10|29.68|30.41|38.01|
|Fixed Income|0.79|0.00|0.79|5.77|7.11|
|Other|0.68|0.01|0.69|13.08|0.08|
|Cash|1.78|0.02|1.80|2.15|0.00|
|Not Classified|0.01|0.00|0.01|0.05|0.00|
Investment as of Jan 31, 2025 | Category: Target-Date 2065+ as of Feb 28, 2025, | Index: Morningstar Lifetime Mod 2065 TR USD as of Feb 28, 2025, | Source: Holdings-based calculations.
# Stock Style
Map Weight Historical Large Value 16 %, Large Blend 33 %, Large Growth 17 % ,Medium Value 8 % ,Medium Blend 12 %, Medium Growth 6 %, Small Value 3 %, Small Blend 3 %, Small Growth 2 %1633178126332ValueBlendGrowthLargeMediumSmallWeight %50+25–4910–240–9
# Market Cap
Avg Market Cap100.76 Bill Category Avg Market Cap102.27 bilI index Avg Market Cap70.76 Bil
|Size|Investment %|Cat. Average %|Index %|
|:-|:-|:-|:-|
|Giant|36.31|33.99|34.78|
|Large|26.51|23.57|26.45|
|Mid|24.95|14.88|20.59|
|Small|6.08|5.19|8.74|
|Micro|1.64|1.55|2.07|
|USD | Investment as of Jan 31, 2025, | Category: Target-Date 2065+ as of Feb 28, 2025, | Index: Morningstar Lifetime Mod 2065 TR USD as of Feb 28, 2025, | Data is based on the long position of the equity holdings.|
# Measures
|Value & Growth Measures|Investment|Cat. Average|Index|
|:-|:-|:-|:-|
|Price/Earnings|18.37|17.87|17.15|
|Price/Book|2.76|2.63|2.34|
|Price/Sales|2.06|1.95|1.76|
|Price/Cash Flow|12.17|11.37|10.68|
|Dividend Yield %|1.98|2.04|2.29|
|Long-Term Earnings %|9.68|10.80|10.46|
|Historical Earnings %|\-8.97|5.62|4.95|
|Sales Growth %|5.43|4.01|4.66|
|Cash-Flow Growth %|4.99|5.23|3.46|
|Book-Value Growth %|7.17|4.01|5.41|
|Investment as of Jan 31, 2025, | Category: Target-Date 2065+ as of Feb 28, 2025, | Index: Morningstar Lifetime Mod 2065 TR USD as of Feb 28, 2025, | Data is based on the long position of the equity holdings.|
# Exposure
Sector Region Country vs. Category % Cyclical Sensitive Defensive
|Sectors|Investment %|Cat %|
|:-|:-|:-|
| Basic Materials|4.74|3.98|
| Consumer Cyclical|10.15|11.13|
| Financial Services|15.01|16.81|
| Real Estate|4.56|2.95|
| Communication Services|6.34|7.77|
| Energy|5.74|3.98|
| Industrials|10.51|11.53|
| Technology|24.08|23.69|
| Consumer Defensive|5.27|5.40|
| Healthcare|11.20|10.33|
| Utilities|2.40|2.44|
# Sorry for any errors in here this is just copied from the page.