<prompt> Human: Examples Ive seen are the SWYJX SWYNX at Schwab, the target retirement index funds for 2055 2060 respectively. They have 94 stocks and 95 stocks allocation currently with 6-5 left for bonds and cash. but someone retiring at those ages would be 28 or 23 years old today. If youre doing it on your own isn;t it advised that you do your age in bonds?! Im new to this so Im not sure if Im understanding this correctly but the difference between 20-30 in bonds vs 5 isnt minimal I havent read anything to suggest those funds are pretty aggressive. Mind you I dont mind the aggressiveness just making sure Im understanding this correctly  <response>: In my opinion, your age in bonds is extremely outdated advice from a time when bonds were a good investment. 