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Target Funds Are Not Enough

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I don't disagree with Paul here but it seems every article I have read over the years from him have a similar theme: YOU must have a small cap value fund in your allocation mix or you will underperform!! . Actually, if your target fund has a Total Stock Market Index Fund you do have small-cap stocks in your mix so I wouldn't worry. His advice though might be a good way to go if you are willing to take additional risk of owning extra small cap stocks. But you will be fine with just a target fund as well.



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