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You can have your money mainly in a target date fund that keeps your mix of investing in stocks, bonds, cash and other badets suited to your retirement horizon. Nevertheless, it is a good idea to make sure that your badet allocation matches your goals. Do not forget that portfolio growth and market developments can change your allocation when you're not watching it. And the closer you get to real retirement – or if you're already there – the more conservative you'll get. In addition, keep track of the fees you pay and consider less expensive solutions.
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