Generally I think they are a good investment vehicle. They provide a well diversified portfolio within a single fund. You should look at the asset allocations of the funds to see if they meet your needs and desires. A possible drawback might be if the allocations are not to your liking. Vanguard charges a prorated expense ratio based on the ERs of the investor class funds contained and do not add another expense on top as some mutual fund families do. OTOH is the account grows to the point that you might be eligible for admiral class shares at lower expenses you will not get the advantages of the lower expenses in the TR fund.Bob
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