"Mike" <r...@g...com> wrote
> The Vanguard fund has a lower expense ratio,
snip
> I'm just
> really having trouble finding the time to research and
> monitor
> everything, despite my interest in learning and
> participating actively
> in investing; hence, I figured one of the targeted
> retirement funds
> would be a good choice.

A rational decision.

I would argue VTIVX's expense ratio is a lot lower; 0.19%
vs. the FFFFX's 0.78%. Compounding this difference adds up
to around 15% difference in final portfolio value over 35
years. From what you say, I would switch all to the Vanguard
fund. But if you don't, I do not expect it to make much
difference. Studies (and common sense) indicate that what's
most important to fuss over (once you have a reasonable
allocation) is saving for retirement regularly and
abundantly.

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