> The Vanguard Target Retirement fund-of-funds spreads
> their assets across 5 very efficient index funds.  The
> asset allocation is much easier to understand, the
> fees are very much lower, the tax implications (important
> if this is not a tax-favored account) are substantial -
> there should be a lot less tax drag on the Vanguard
> fund-of-funds.

Cool, that helps, so based on that and what others have said, I'll
probably put the money into the Vanguard fund. I might check out T.
Rowe first, though.

Oh, and my Vanguard fund is a Roth IRA. The other two are old 401ks.

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