TLDR: That TD Ameritrade product isn't more aggressive, just razzle-dazzle. Invest like endowments.
And invest very early, because time means compounding.
Aggressiveness is the right strategy. But it's simple.
Endowment manager here. Go all-in on retirement, and do it early. Time is money, friend.
Endowments are forever-funds which are designed to grow with inflation. They finance things like university professorships, sports teams, the upkeep of monuments, etc. Withdrawals and investment strategy are very tightly regulated by law, to assure sustainable withdrawals and guaranteed growth.
Endowments are required to seek long-term growth and disregard volatility (what investment novices call "risk"). As such, they are required to be very heavily in highly diversified stocks, probably over half the total capital being in funds that strongly resemble (or simply are) S&P 500 index funds or total-market funds like VTI.
They sprinkle in some foreign stocks, sometimes real estate, muni bonds, odds and ends but nothing complicated. Growth is expected to be 8-10%/year on very long term average.
Yes. Endowments, where growth is everything, are invested rather simply.
And hey, a typical endowment is overseen by an institutional Board which has investment bankers on the Board, so they know exactly what they're doing.
Of course, the stock market bounces around like a tennis ball. That's volatility. If you roll a die, you get anything from 1 to 6: Volatility. But if you roll 1000 dice, the average will always be 3.5. That is the law of large numbers. Very long term planning horizons like 25+ years allow the laws of large numbers to apply. All that volatility averages out, and you are left with the growth.
When you're 24 and expecting to take it out at age 74, that's 50 years. Your investment goals are identical to the endowment manager's.
Getting to that in a 401K plan is easy enough; the dozen or so funds always include some sort of broad-market index fund, a foreign stocks fund or two, and some odds and ends. Just keep an eye on fees.
Actively managed funds work against you
The product you linked actually harms you 2 if not 3 ways. First, they are biting you for a custodial fee of 0.3% per year - essentially they're doing fee-based investing, but turning around and putting you into commission-based products. You are much better off hiring a fee-only advisor who does not collect commissions and is not connected with a brokerage, and so recommends the actually best product instead of being forced to recommend higher-expense house products. Or, you can work it out yourself.
Here's the problem with fees. It may seems sensible to let everyone "wet their beak" or "spread the love" or whatever. But all those fees are a guaranteed total loss. If you're getting beaten up for 2% fees, that's 2% growth you didn't have. And when you're hoping for 10% growth, that's 1/5 of your growth, and when you consider compounding, that's hundreds of thousands of dollars by retirement.
Read John Bogle's "Common sense on mutual funds". Your #1 goal is to cut fees.
But is it worth it, since the fund manager picks better stocks than the index? Oh, really!? Part of Bogle's book examines that question; they don't do nearly as well as you think. And even that disregards the expense ratios of the funds, which are 100% guaranteed loss, remember. When an index fund's expense ratio is 0.1% and a managed fund is 1.5%, that means the fund must beat the index by 1.4% per year, every year, on average, just for you to break even. And it turns out that is pretty much impossible to do reliably over the long term. And impossible to foresee, since past performance is no indicator of future success.
The standard broker razzle-dazzle
So what TD Ameritrade is doing for you is the standard razzle-dazzle. "Oh, investing is so, so complicated", they say. "Oh, you need our help." And so they want to take 0.3%/year to make you confuse them with a fee-only advisor, then turn around and put you into "genius-managed funds" with a possible one-time load as high as 5.5%, and an expense ratio in the 1-1.6%/year rate (depending on load). All of that is total loss.
Of course they are likely to recommend you into far more byzantine, opaque products you'll never understand. That is the point. To leave you so confused you don't know what to do, and just give up and rely blindly on their advice.
This is SOP in the brokerage business.
Honestly when it comes to retirement (or super-long-term-growth) investing, it's dog simple. Endowment managers get this. So do investment bankers (often the same people); they just want to fleece you for the maximum expenses possible.
If a complicated product actually gave better yields, endowment portfolios would be full of them. They're not.
$10,000 invested this year is worth $20,000 in 7 years
Time is money, friend. If you forego a $10,000 additional investment into your retirement, and say "I'll do that in 8 years", you'd need to contribute $20,000 additional to have the same effect (and then you run into contribution caps). That's because market growth is really quite good on average, and you can see the money in the fund double in 7 years. If you can tighten your belt today to put in the $10,000, that's $20,000 you don't have to contribute 7 years hence.