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Well, actually I've already read how Target Riterement funds work and I like that approach. Vanguard does a job for us, and we can invest our time managing 401(k) of my DH.
I have considered another option for my husband's RothIRA. Instead of both of us having the same Ret.Target2045, he could probably invest in the index fund that tracks S&P500 for a year. And next year when his IRA assets reach over $10k, we could split and have $5k invested in REIT. That way we'd evade fees for a balance under $5k. How does it sound?

Yes, it's good to hear that I'm not the only one who's pondering such questions. I've read a few books about investments, but none of them addressed how a couple should invest. Authors merely focus on individual investing instead.

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