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This is not a surprise. Academic research has shown that 80% of funds underperform index funds and do even worse when you factor in costs. Its not sexy to say

This is not a surprise. Academic research has shown that 80% of funds underperform index funds and do even worse when you factor in costs. Its not sexy to say "take all your retirement money and put it into three funds: international stocks (eg. VEA), domestic stocks (eg. VTI), and domestic bonds (eg. AGG)" and rebalance it once a year to ratio based on your age but the research shows this is the most effective method of investing because it takes the emotion and costs out of it.

rogerbinns 14y ago
Vanguard even have target retirement funds (eg Target Retirement 2035 if you expect to retire around 2035). They automatically do the rebalancing for you - all you have to do is contribute while working and that is it! https://personal.vanguard.com/us/funds/vanguard/TargetRetirementList https://personal.vanguard.com/us/funds/vanguard/TargetRetire...