<prompt> Human: Im investing in a 2060 fund for retirement through vanguard, and well as a 401k plan through my employer. But both seem to be Under performing? as mint is telling me to invest in other stuff. Would investing in some other funds be worth it?  <response>: They are supposed to underperform it a little bit. No fund can exactly match the tracked index, since running a fund costs money.Also, target date retirement is not 100 in stocks. The reduced performance comes with increased stability. 