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« Best of Free Money Finance: Saving Money, Part 1 | Main | Money Saving Tip: Fun in the Water »

September 28, 2005

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Life cycle funds are usually the best option for those just starting their investment portfolio because at this stage of the game most do no have enough capital to avoid the low balance fees of having multiple mutual funds that are required to maintain proper diversification.

We're currently using Vanguard’s Target Retirement 2045 (VTIVX) until we can build enough money to put together something based on Taylor’s 4-fund portfolio.

We chose VTIVX because of two reasons:

1. Vanguard does not charge any additional fees besides the expense ratios of the underlying funds. Fidelity does charge an overall fee for managing the freedom funds.

2. Fidelity and T. Rowe Price mostly employ actively managed products, while Vanguard relies mostly on index funds.

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