Not the best article. The Blackrock portion is irrelevant. Regarding piecing together your own Vanguard portfolios, you might be able to save a few basis points

Not the best article. The Blackrock portion is irrelevant. Regarding piecing together your own Vanguard portfolios, you might be able to save a few basis points. You'd also have to do the rebalancing yourself and I'm not sure the tax implications of rebalancing.