[Benjamin]

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If its essentially an index fund, why don't you just buy an index fund? Do you have material reason to believe that that particular found can outperform the market?


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The point of these funds is that you get broad diversification (more than you can get from a single index fund) combined with a gradual lessening of risk as you approach retirement age with no intervention required by you, and for a very low cost. They handle rebalancing and adjusting the amount of stock exposure down as you get older.

Pretty nice offerings if you ask me. I'd like to see a little more international, and a little of their REIT index in there, but still a nice 1 stop fund for those who don't want to spend the time putting a custom portfolio together.

B.