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0.5% fees are high. are you getting value out of those, compared to index funds and some vanguard target funds that are 1/10th to 1/4 of the price?

they do auto-rebalancing and auto tax loss harvesting, kinda hands-free investment. Real human investors can charge 1.5%

S&P 500 return was about 22% in 2017. On paper, I made a lot, although I have no plans to touch any of it for a long time.