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Which index funds do you like? I've been going back and forth between considering one or more index funds or just getting a target date fund and leaving it alone altogether.


I basically replicate a target date fund manually, using the standard Vanguard funds like VTI, VXUS, BND, ...

That way, I can tune allocations if needed and I can take advantage of tax loss harvesting opportunities, so I get some extra benefits.


And target dates usually have a higher expense ratio than funds like VTI. So you keep more of your investment income by doing it manually.




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