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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
by deanmoriarty 7y ago
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.
- travisr 7y agoAnd target dates usually have a higher expense ratio than funds like VTI. So you keep more of your investment income by doing it manually.