46 yo and my Roth IRA is currently 100% in VTTHX, Vanguard’s 2035 Target Date Fund. I’ll be 56 at the target date. I plan to work until 59-60, then do part time work until I get sick of it, maybe 65-70. I don’t really think I’ll need to draw my Roth until late 60’s. Should I move to another TDF? What should my strategy be for the Roth in terms of when to start taking withdrawals?
Context: Most of my retirement savings are in a taxable 401K, and I hope to also have a pension (if the USG doesn’t dissolve it by then) that will be available starting age 62. The Roth constitutes maybe 20% of my portfolio.