Mike wrote:

> The Vanguard fund has a lower expense ratio, and I like the tools on
> its website, but it also has a $25 annual fee.

Are you sure? Vanguard charges a $20 fee for any fund with less than
$10,000 in it, but that's nothing specific to TR 2045. Do you have less
than that amount in aggregate? Also, Vanguard waives that fee if you
elect for electronic statements.




Brian

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