Hey everyone,
I've had my 401k entirely in a Vanguard 2050 target date fund (VFIFX) for the past 5 years. I'm 35 and pretty hands-off with investing, which is why I chose it. But lately, I've been learning more about ETFs, and I'm wondering if I should make a switch.
The main thing that caught my attention was the expense ratio - I'm paying 0.08% for the target date fund, but I could potentially pay even less with something like VTI (0.03%) and VXUS (0.07%) for international exposure.
I'm comfortable managing my own portfolio, but I want to make sure I'm not overthinking this or missing any important factors. Would love to hear from others who've made this switch or decided to stick with target date funds.
No answers yet.