FYI: Readers of my Newsletters will have observed that I prefer Vanguard funds. The reasons: low cost, good customer service, readable reports, and most of all, excellent performance as you will see below.
I realize that not everyone may have access to Vanguard funds if their only investments are through their workplace retirement plans. Therefore, they may feel there is no way to adopt my suggestions as to recommended funds. What to do in such instances remains unclear although I have a few ideas.
Regards,
Ted
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