Target date funds are not a good idea for a taxable brokerage account. They are mainly only good for a 401k or IRA accounts for tax reasons. See [this thread](https://www.bogleheads.org/forum/viewtopic.php?t=408592) and [this SEC filing](https://www.sec.gov/newsroom/press-releases/2025-21) for why.
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This brings up an important question: are there TDF-like funds that can be used in a taxable account? Yes, [iShares](https://www.ishares.com/us/strategies/what-is-a-target-date-fund) has some. [This reddit thread](https://www.reddit.com/r/Bogleheads/comments/1jc8h03/why_vanguard_does_not_offer_a_single_etf_that/) has some good pointers.
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This brings up an important question: are there TDF-like funds that can be used in a taxable account? Yes, [iShares](https://www.ishares.com/us/strategies/what-is-a-target-date-fund) has some. [This reddit thread](https://www.reddit.com/r/Bogleheads/comments/1jc8h03/why_vanguard_does_not_offer_a_single_etf_that/) has some good pointers. Another alternative is a balanced fund that does not adjust over time such as [AOR](https://www.ishares.com/us/products/239756/ishares-growth-allocation-etf) or [AOM](https://www.ishares.com/us/products/239765/ishares-moderate-allocation-etf).
The book [The Simple Path to Wealth](https://www.amazon.com/Simple-Path-Wealth-Revised-Expanded-ebook/dp/B0DT7CM52P) is great and describes an even simpler way by just investing in one total market fund (VTSAX). In most cases this is all people need to do basic investing with reasonable return.