Kris,

I don't know a thing about life-cycle funds and I suspect few of the regular posters here do either, though I may be proven wrong. So I can't respond to your question.

I am, however, curious as to what tax code is your new retirement plan. I was not aware that T-C was into 401-ks; they are predominantly provider of 403-b plans and of IRAs. Now if your T-C plan is either a 403-b or a IRA, either ROTH or Traditional, you should have choices other than the life-cycle funds. T-C has some investment choices that are usually available to all who have retirement accounts with them, and to some, quite a few more choices. But what I am getting at, is that you can make a fairly good investment using their traditional offerings and a few of these are quite good. And people here would be glad to give you some recommendations on them.

So if you don't mind, could you tell us what tax code your retirement plan with T-C falls under? And if it is a 403-b or IRA could you list the funds/"accounts" available to you in it?

Ray