Completely agree with all of your answers but would add a nitpicky option 4;
4) Self-manage a portfolio of 2-4 index funds across the spectrum of equities and bonds, starting with a standard allocation rate (80-95% equities, the remainder in bonds) and rebalancing yearly, while adjusting the rate as you approach retirement age.
This is slightly different than the options you mention (though largely the same formula). The reason you might do this is that it can be much cheaper than the other choices (except for 3) and requires not much more savvy than items 1 or 2.
Further, sometimes you get lucky with a 401k plan that will boost you into higher fund categories (Flagshipt etc) and thus lower fees at much lower investment points than an open market fund would require.
4) Self-manage a portfolio of 2-4 index funds across the spectrum of equities and bonds, starting with a standard allocation rate (80-95% equities, the remainder in bonds) and rebalancing yearly, while adjusting the rate as you approach retirement age.
This is slightly different than the options you mention (though largely the same formula). The reason you might do this is that it can be much cheaper than the other choices (except for 3) and requires not much more savvy than items 1 or 2.
Further, sometimes you get lucky with a 401k plan that will boost you into higher fund categories (Flagshipt etc) and thus lower fees at much lower investment points than an open market fund would require.