TDF
Templeton Dragon Fund
stock NYSE Closed Ended Fund

ok, pretty good, and an opportunity to improve/simplify:
- 90/10 US to International is a little light on international, since the global market weight is closer to 60/40
- dividends aren't free or extra money, and all those companies are contained in total market already, so no need for a dividend focused fund
- VT is US+International at global market weight, holding VXUS alongside it is redundant
- you don't need cash in your retirement portfolio, but you might consider an allocation to bonds
so first deciding what your allocation target is would be wise. either using a TDF in both accounts, or modeling your allocation based on a target date fund [glide path](https://institutional.vanguard.com/investment/strategies/tdf-glide-path.html).
L2050 in the TSP, and ticker for Roth IRA depends on where the account is located. If you want to do-it-yourself: something like 55% US, 35% International, 10% Bonds would be fine at age 40. in the TSP, like 45% C, 10% S, 25% I, 10% F or G. in a Roth IRA like 90% VT, 10% BND.
in the taxable account, you can replicate what you select for the Roth IRA, or 55% VTI + 35% VXUS + 10% BND ([VT vs VTI and VXUS](https://www.reddit.com/r/Bogleheads/comments/1mzwdav/comment/nam8q8h/) for why you might want to split the funds up in taxable)

I see recommendations to use a TDF or only VT to avoid tinkering. Outside of getting closer to retirement age, are there any reasons you change your tilt?

For retirement funds, I use TDF so no rebalance needed.
For taxable, I just put contributions into the underweighted fund, and if I need to sell, I sell from the overweighted fund.

Mine started in my 20‘s at my first big boy job. During orientation, we were asked to make 401k elections if we chose to. Someone said, at least take the company match it’s free money, so I did and selected a TDF. I had no clue what I was doing. 20 years later, and I’m very thankful I listened to that random person.

Every TDF glide path.

I have a TDF which does it for me

\> Basically I cannot ask a question about stocks, TDF, retirement 

if you have a generic question about investment - there are other subreddits .. try to make a question at least somewhat Fidelity specifics related ...
\> or anything Fidelity related.

generic questions are not Fidelity related
PS: if you can't properly formulate a question yourself then engage a chat bot, feed them what you want to ask and tell them to color it in a manner that will pass Fidelity mod of the day :-)

Basically I cannot ask a question about stocks, TDF, retirement or anything Fidelity related.
So I guess I could start by saying a farmer's daughter told her dad that she was pregnant. The farmer asked why the dad was. The daughter said let me out it like this... when you eat a bowl of beans and it gives you gas do you know which bean it was.

FDEWX is a target date fund (TDF). These funds are fully diversified internally for you and as such, are designed to be "one and done," the only fund you hold. Internally, TDFs can typically be boiled down to the https://www.bogleheads.org/wiki/Three-fund_portfolio
In the 3 fund portfolio, the bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. TDFs start low on bonds (your FDEWX should be pretty close to 10%) and ramp them up as the target year approaches (I believe Fidelity stays at that 10% bonds you see today until 20 years before the target year?).
The other finds you hold are essentially included inside of FDEWX and me with the weights of US to international and stock to bond. If you have your own ideas for US to international or stock to bond, you should only do the 3 fund concept in the ratios you want, if not, then 100% FDEWX could easily make sense.

I did manual reallocations for years. I went to a TDF 15 yrs ago and after retirement I moved to a LifeStrategy fund.

sometimes local mods do not like questions about specific investments, they might give it a pass about Fidelity funds though ...
nothing is wrong with FBALX, but you might as well consider Fidelity TDF fund with a target year that has allocation that satisfies your need to allocate a certain percentage to fixed investments ( \~2035 ??? ) and then once every 5 years of so do a free full exchange into the Fidelity TDF 5 years next ( to \~2040 ), wash, rinse, repeat ( to \~2045, \~2050 ) to keep the asset allocation \~steady ...
keep in mind that FBLAX is mostly US holdings oriented fund with low ex US exposure ( \~95% / \~5% ) ... it might be that you actually want or not otherwise ... TDF funds have a lot more international exposure

VT if possible, but many 401ks etc don't have it. In that case the most aggressive TDF or just get close and check yearly.

I recently put my money into an IRA and used fund FBALX after I rolled over my 401k. I am retired. The fund has 35 percent bonds. Before I was at 50+ bonds in my TDF. I want to make sure I have enough to live on and create some growth as well as stable income. Is FBALX a good place to set it and forget while I withdraw some annually to supplement my SS? Thanks

my recommendation is do the Vanguard TDF in the workplace plan.
If you wanted the most no brainer approach...it would be the TDF in your workplace plan AND the identical or similar TDF in your Roth. This way you essentially have your asset allocation moving in the same direction across ALL your savings with zero need to do anything other than think about how much you want to save. it would probably be the most Boglely move I could think of.

Start with a target date fund, I recommend Estimated Retirement Age + 20 years.
TDFs automatically rebalance back to target asset allocation, and gradually shift from wealth growth to wealth protection.
As you learn more and want to tailor your investments more to your goals, the timing of those goals, and your preferences, you can start to gradually branch out. If you can't outperform your TDF over a credit cycle (typically 7 years), then keep your outside activities to a minimum. I am a 95% disciplined Boglehead, and color outside the lines with the other 5%. Even though I am doing really well with the 5%, I know my single stock picks can crash harder than the market--they add more risk to my investments than TDF.

Of course, I try to maximize Sharpe ratio, so I'm diversified.
Happy to give up 1% per year for double to triple the Sharpe of my benchmark (which is 50% 2025 TDF, 30% S&P500 total return, 20% Bloomberg US aggregate bond index fund).
When the S&P 500 crashes by 40%, I am hoping to crash less than 25%.

Link to 401k options: [https://imgur.com/a/yjL8So6](https://imgur.com/a/yjL8So6)
I’ve been contributing after‑tax dollars to my 401(k) for a couple of years now. My Roth IRA is already set up with a 70/30 ITOT/VXUS mix, so I initially just used a target‑date fund for the 401(k). About 3.5 months ago, I changed things up to the allocation shown in the picture.
So far, the performance has been pretty underwhelming, also really not too thrilled with the 0.45% expense ratio on the Blue Chip fund either. I’m debating whether I should just move allocations back into the TDF, because none of the other options in the plan look great either. I’m still a newbie though, so wanted to get some other opinions before swapping it up a third time... any thoughts?

Have you looked at the market?
The only thing that would be preventing your investments from dropping right now would be the bond portion of your TDF...

If you’re going to use a TDF, go 100%. If you add things on top, you are just adding complexity for probably negative benefit.
If you want to self manage, ditch the TDF entirely. But the return on hassle probably isn’t there until you pass at least $100k. Just let it do its thing until then.

Honestly you’re already very close to a classic 3-fund approach. VTSAX + VTIAX already gets you US + international exposure, and VTWAX in the Roth is basically just the world market anyway. If you want bonds, the typical recommendation is to hold bonds in a tax-deferred account (your rollover IRA) since bonds are less tax-efficient in a brokerage account. A Vanguard bond fund or even a TDF in that account isn’t unreasonable if you want to keep things simple.