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I was re-reading this thread and realized I wrote, - Two total stock market positions - one as part of a target date fund in a taxable account and another as part of a balanced fund held in my HSA. …

I meant that those are total bond market positions contained in funds of funds...

The HSA has pretty expensive bond fund choices, thus the balanced fund which I augment with other equity funds to make the HSA more aggressive. The Target Date fund was purchased some time ago and it just doesn't seem worth the tax hit to change it, so I just work with its allocations.

- Joel
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