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Even simpler than that, is there any reason not to go with something like a Vanguard Lifestrategy which implements something quite close to a Bogleheads mix? Asking sincerely as that’s what I’m using now, and it’s just so easy it feels like there must be some unanticipated downside.

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Those funds have higher costs. If you want to do that (and it's a good idea) look at the portfolio allocation and then buy the ETF version of the underlying assets.

This is really the only downside (beyond them being perhaps too conservative - but you can adjust by selecting a different “year”).

I agree. Buy some low cost diversified funds through Vanguard. I cannot understand why the average investor needs anyone else in the loop.

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