[zefhous]

I mean that’s literally where the money ends up anyway. I have a small amount in Wealthfront to check it out. With my “10/10” risk allocation, my money is all in vanguard funds.

    45% VTI
    20% VEA
    19% VWO
    14% VIG
    2%  VETB

They do also offer some services such as “tax loss harvesting” that you can’t really do on your own, but I don’t really know if it’s worth their fee.

Really, I think one of the best investing strategies is to buy and hold a variety of Vanguard funds and stop thinking about it.

[lotsofpulp]

You do not even have to hold a variety of Vanguard funds, just figure out the year you aim to retire in and buy the target date retirement fund.

https://investor.vanguard.com/investment-products/mutual-fun...

[Graphguy]

Target Retirement Funds sometimes hold non-ideal amount of cash. Also, make sure you are holding these in a tax-advantaged account https://401kspecialistmag.com/target-date-fund-providers-inv....

[throwawaysea]

I don’t quite understand the issue. Is there an ELI5 explanation?

[brokensegue]

this is a fine approach. but you can beat it because of tax/fee reasons

[pinkfairy]

you can easily do tax loss harvesting on your own