Dear Arkadiusz

Thanks for visiting our blog and leave a comment! You are quite right about the development in target maturity funds. In fact, "target maturity" is just another term people use for "target date" funds that we referred in this post. Although they typically start with high allocations to equity in your youth and get more conservative as you age, it does not have to be that way. Check out this Weekend Reads [https://blogs.cfainstitute.org/investor/2014/09/26/weekend-reads-for-gl…] where we listed a few articles that tested an alternative strategy that worked just well.
Warm regards,
Larry