I have Fidelity Freedom Funds (the 2045 and the 2050) in my 403b. In my Roth I wanted to try to see if I could develop and maintain a good asset allocation, but in my 403b I just didn't want to think about it.
I agree that the differences are insubstantial between Fidelity, T.Rowe, and Vanguard target-date funds. If you're trying to get your feet wet and don't want the pressure of choosing your own investments, I think this is a great solution. If you already have other accounts at one of the 3 discount brokerages, I'd go with that one. Otherwise, I know die-hard fans of each of the 3 firms. Fidelity suits me just fine but I think the other two are just as good.
Congratulations on taking the plunge!
