<prompt> Human: Background: Late 20s, single, Technical Professional, 6mos cash EF achieved, maxing 401k and Roth IRA contributions, paid-off car, paid-off student loans. No real estate working on downpayment, no debt. In BaltimoreDC Metro.Fidelity 401k: AF Target Date 2050 R6 RFITX AF Target Date 2055 R6 RFKTX AF Target Date 2060 R6 RFUTX FID Mid Cap Index INS FSTPXUSAA Roth IRA: USAA Target Retirement Fund 2050 Retail URFFX USAA Target Retirement 2060 Retail URSIX USAA Cornerstone Moderate Aggressive Retail USCRXMy question is: Does holding multiple target date funds in the same retirement account e.g. the 401ks RFITX, RFKTX, and RFUTX holdings do anything to improve diversification, or is the inherently-diversified nature of the target-date funds make holding multiples irrelevant?My thought process for holding the split was that I dont know, 30-40 years out, whether Im going to retire at the early end 2050 or late end 2060 though definitely planning to defer SS to 70.5 - Ive seen my coworkers start suffering massive burnout in their late 50s early 60s, but others are quite happy to keep working longer. Basically, Im expecting to want options.At the same time, Im very aware that these are all managed funds, built for diversification, so Im not sure if splitting among them is doing anything.Also: Open to suggestions for lower-fee alternatives to my USAA holdings from their offerings. Must be low Initial InvestmentThanks!EDIT: Okay, so its redundant. If I were to collapse to one, in theory the later-date funds are going to have the most earning potential due to the later bond-share shifts, right?  <response>: At the moment, I can almost guarantee that all those target date funds are in a 9010 stockbond allocation. Youre not helping yourself by putting it in multiple target date funds, although youre not hurting yourself either.As you get closer to your retirement, you will have a better idea of what year you will retire. You can adjust strategies along the way.In brief: It is redundant, but you are not hurting yourself. 