[quote=UCGal][quote=squat300]expenses on funds matter a lot[/quote]
I agree with this.
Vanguard, in general has the lowest expense ratios… but Schwab and Fidelity have some funds that come close.
Vanguard is definitely a DIY oriented fund company… but heaven help you if you need customer service. They lost paperwork (death certificates) 3 times before they finally were able to transfer my dad’s accounts per the executors wishes. And then couldn’t correlate the same death certificate over to the 529’s… so more lost copies before that got transferred over. I still have Vanguard accounts – but STRONGLY prefer Schwab’s customer service if anything non-standard comes up. And the expense ratio’s are very close for similar index funds.
You don’t have to do Vanguard funds – any low cost INDEX funds will work – from the proper asset class.[/quote]
+1 for the lazy portfolio. I would recommend using Vanguard’s total bond, total stock, total int, plus may be one more (inflation adjusted). Keep it small and simple to no more than 4 funds. Rebalance at least once a year.
