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  1. I think for most folks Target Funds are a very smart move. Just choose index funds from a reputable trusted company that offers low fees and a client centered orientation and your work is done. This article explores the fact that most people would rather be stuck in traffic than rebalance. https://www.fa-mag.com/news/portfolio-rebalancing--clients-would-literally-rather-be-in-traffic-40183.html?print
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