I have an IRA that I built with many investments over the years including mostly individual stocks (US and International), mutual funds and ETFs .. I was thinking perhaps putting the retirement portfolio on autopilot for a little bit. Set it and forget it, by selling all positions and replacing with one holding VFORX or VTTHX Vanguard’s 2040 and 2035 low fee target date funds. Has anyone done this? The simplicity thing sounds attractive for the retirement account since I can easily make changes without tax consequences.