Posts  / #POST-221407
REDDIT

Investing for retirement: should I take the easiest route (Target Date Index Fund), or one that better aligns with my ideals (3-fund portfolio)?

P
Mar 7, 2026 · 05:36

Basically the title. I'm honestly fairly new to DIY investing, so the simplicity of the TDIF is very appealing from an "effort" standpoint. However, while browsing the available funds on Fidelity, I found a few "sustainable" index funds (one US based and one international), which I really quite like the idea of. That kinda does mean that I'll have to be more proactive with my portfolio though, right? I feel like I might be okay with that though, because I'm pretty disciplined when it comes to personal finances, budgeting, and saving in general.

What do you think? (This is in a Roth IRA account and my retirement is at least 20 years out.)