After looking further into the funds in each, it seems that the Targeted fund has a lot of Vanguard Index funds in it. I might be doubling up to much
Target 2045 Fund:
Percentage Fund Percentage
1 Vanguard Total Stock Market Index Fund 63.1%
2 Vanguard Total International Stock Index Fund 26.9%
3 Vanguard Total Bond Market II Index Fund** 8.0%
4 Vanguard Total International Bond Index Fund Institutional Shares 2.0%
Total — 100.0%