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@ironlak21 That's silly. TDF is already covering most everything but tends to leverage a lot towards international (31%). I add S&P500 to weigh it more toward the US.

@neari I manage my own with a TDF and S&P mix. You'll beat most investors with just the S&P 500 it's riskier though imo. That's why I use the TDF for bring that risk down a little and it works in my brain. Better than buying 20 stocks and selling, failing to meet the market gain and then...