31 M. For the past 8 years I’ve been contributing 6-15% of my paycheck to vanguards target 2060 retirement fund. However my returns for the past 8 years are only 12%.
Is it too late to take a more aggressive approach and just switch to S&P500 investment etf? I have alot of shares of this target state 2060 fund since it’s all I’ve been purchasing the past 8 years. Please let me know your thoughts and what you’d do. I feel it hasn’t been aggressive enough