Originally Posted by
cadetdrivr
If one is trying to avoid expenses, simply invest in a Vanguard index fund. And certinally avoid an outside advisor that charges a % and use a fixed fee CFP in you need help.[/URL]
Completely agree about index funds, and target date retirement funds are especially hands off. The closer in the fund's date, the more conservative it's managed. If you want more risk you can just pick a date decades away. I used a couple of these for most of my 401k/B Fund. I recently went to mostly cash, but wanted to see what a broker might do with some (10%) of my savings. A bit of an experiment.