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@gryphonking You aren't wrong! TDF funds are set it and forget it. They just have higher fees and over decades the fees make a pretty big difference.

@gryphonking You can rebalance like once a year just to get back to the ratio you like. If you start investing 55 percent into the Large Cap Index for example, and it grows faster than your other funds, maybe in a year that will have like 58 percent of your balance. So you use the rebalancing...