Share your insights or perspective on the financial matter presented in the input.

Vanguard Target Retirement Fund vs. Similar ETF Distribution (w/ REIT)
It looks like an improvement to me, if for no other reason than lowering the expenses. But if you are around 35 years away from retirement you could consider eliminating all bond funds for now. They will pay better in a few years. And the stock market(s) will definitely go up more than bonds over the next 35 years.