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That will barely keep up with inflation as you age. That how target date funds work, and they work that way because you don want one market correction to wipe out your retirement funds. There is lots of information here that help you get started, and the people here are a great resource to make sure you on the right track, or have come up with a plan that makes sense, but we can only really give you uninformed, cookie cutter answers to the question a week be good example, how much money do you want to have in retirement How much money per year do you want to live on If you currently live on $100k per year I think your answer will be very different than if you currently live on $15k per year.

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