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I never much cared for Mutual Fund Funds.

The way I see it, for all those funds you are paying an expense fee and then piling another expense fee on top of that.

That being said, for college, since the savings time can be so short, it's good to have a fund that automatically rebalances. I can't beleive my son is 9 y.o and yes, it's good we have a fund that has automatically gone a little more conservative.

But for retirement. . . that breakdown looks way over-diversified to me.