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Author: ShiningDawn Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76392  
Subject: Re: Retirement planning Date: 4/8/2013 3:22 PM
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Fidelity and others have blended funds like the FFNOX, which is three stock funds and one bond fund. You just fire and forget and they do the re-balancing for you.

I don't mind rebalancing a few times a year to save approximately 50% on expenses. The comparable Vanguard TR fund has an expense ratio of 0.18% while the admiral shares of the other funds I hold are all less than that (0.06%, 0.10% and 0.16%). While my portfolio is not huge and the differences in expenses are not super significant, one day I hope it will be :)

Of course, I have instructions for my husband, in the event of my death, to have all the investments switched to the target retirement funds because he won't rebalance anything. Investing is definitely about knowing yourself and your own risk tolerances/willingness to monitor/etc.

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