1. Obviously the most striking advantage is being able to switch over from one combination to the other available to a more aggressive growth oriented stocks when the market is bullish and visa versa.
2. Diversity in true sense with portfolio containing top stocks and bonds for a blend of growth and safety.
3. No trouble managing an assortment of investments yourself. The one fund gives it all reduces your over all cost of owning and managing the investment.

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1. Fees remain same regardless of whether you hold 60:40 patterns in favor of stocks or the low return and sloppy 40:60 bond orientation.
2. If you forgot to switch back to growth 60:40 patterns even after market turning around, you will loose out on the low risk high growth potential of bull market.
3. Funds may have bonds of lower tenures while your need is for a longer term. Long term bonds earn significantly more than short term bonds.

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