<prompt> Human: Link to Google finance. It includes the target funds underperfoming?, SP baseline, and Vanguard Mutual VTSAX, performing at SP for reference.Thank you!EDIT: Comments explain this pretty well! Also, the initial graph looks a bit rough because the start dates dont include all the stocks. Heres a better one.This graph from 2005-2015 comparing Retiremnent 2015, SP, Wilshire 5000, and VTSAX is much more interesting.  <response>: In bull markets, bonds usually underperform equities, so a well-diversified 100 equity fund like an SP500 fund will frequently outperform a target date fund with like a 7030 or 8020 stockbond mix. 