Lifecycle Funds are DEFINITELY better than just leaving everything in G!! G will lose out to inflation over time.
2 suggestions though....
1) Push out your L fund 20 years PAST your retirement. You will want to be still in SOME equities when you retire because you may be in retirement for 25 years or more. Again, the inflation concern.
2) Takes more involvement, but you can mimic the L fund but weight it more towards S. Then rebalance once a year or so to keep the %'s up to date. This is if you are willing to take on some additional risk, for the anticipated better return over the long run.
Just my own 2 cents.....
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