3 ms·Don't make smart decisions. Sign onto Vanguard, set up autoinvest, and forget you ever did.by wbl 9y agoDon't make smart decisions. Sign onto Vanguard, set up autoinvest, and forget you ever did.deleted 9y ago[deleted]deleted 9y ago[deleted]quickben 9y agoTheoretically, can Vanguard ever go down? As in a major everything crash?wbl 9y agoOf course. So buy a target date fund to reduce your exposure as it becomes time to retire.