re: Should I change my Roth IRA fund?

Second that.
The target date funds are about as cookie cutter as you can get. (Not just Vangurd but all of ‘em)

It’s just a fund of vanguard funds. You get the same 4-5 funds regardless of what target date year you pick and they just adjust the % allocations to each fund over time....

i.e.
Vanguard Tgt Retirement 2045: VTIVX
55% VTSMX - Total Stock Mkt Index
35% VGTSX - Total Intl. Stock Mkt Index
7% VBMFX - Total Bond Mkt Index
3% VTIBX - Total Intl. Bond Mkt Index

Vanguard Tgt Retirement 2065: VLXVX
54% VTSMX - Total Stock Mkt Index
36% VGTSX - Total Intl. Stock Mkt Index
7% VBMFX - Total Bond Mkt Index
3% VTIBX - Total Intl. Bond Mkt Index

Good for people that have absolutely no clue what they’re doing and prefer to be ignorant on investing but extremely too cookie cutter for me.