I don't normally spend a lot of time worrying about my asset allocation - I have a lifecycle fund and an international fund in order to avoid that.
But now I'm starting to wonder about my lifecycle fund. After the recent market run-up, I thought I'd check on my investments to get some of those good feels. But they're still at where they were in August ($125,000). We add almost $3k/month. What's up with that?
I have two funds:
VTIAX - 16%
LPVIX - 84%
VTIAX is Vanguard total international that I have our IRAs invested in with Vanguard. This fund is kind of volatile, but no big deal. The other one is Blackrock Lifepath 2055, which has all of our workplace plan holdings. I switched to it earlier in the year when our plan made some changes that made the cheap Vanguard index funds I was in the same (more expensive) price as a lifecycle fund (.34%), so I thought it'd be more balanced and would require no thought from then on. Now I'm second guessing myself. Should I be? I that one should stay the course. But I'm concerned that I might have chosen a poor fund? If it were an index fund I could just take a look at the index and compare, but it all seems like a bit of a black box to me with the lifecycle fund.