Subject: Re: I am noodling on a major change to my portfolio.
It strikes me that target funds allow fund managers to create lots of different funds, presumably with extra charges.

Have you looked at Vanguard?

https://investor.vanguard.com/...

8 basis points gets you a very diversified portfolio.

Don't like the stock/bond mix? Pick one with a later retirement date or one of the fixed allocation Lifestrategy funds.