Target Date Fund Delima


If a person for lacks of proper knowledge in investing had their money in a target date fund in an IRA account and now they regret it and want to take more control of the investing, would it be better to sell off the target date funds at a loss (a large sum of $) and reinvest into the specific allocation that they want or should the target date fund be kept and just asset allocate against the target date fund to reach the desired portfolio distribution.