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Use of Vanguard Target Date Funds continues to grow.

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It would be nice if the non-institutional shares were 0.09%.

As things stand now I can’t justify paying almost 3x the price relative to a 3 fund Vanguard portfolio. Then when I start looking at Fidelity’s ZERO fee funds...paying 0.15% begins to feel absurd. 

...honestly I don’t understand why their all in one funds cost more than the individual funds contained within them.

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