I think it's wise to minimize the cost of investing with no-load low-fee funds. I think it's also wise to minimize the time you devote to your investments with a simple plan. I like Vanguard index funds, and think you can do well with just a few, perhaps the total stock market fund, total international market fund, total bond fund, and REIT fund, allocated according to your preference. For spice, you might add the small-cap value fund, or substitute it for the REIT fund.db
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