> never put it into the age 20## type funds Why not? Especially with Fidelity and Vanguard, the expense ratios are often very low, and for a 21 year old the fu

> never put it into the age 20## type funds Why not? Especially with Fidelity and Vanguard, the expense ratios are often very low, and for a 21 year old the fund is going to be mostly stocks anyway.