Thank you all for the helpful feedback and reminders.
You all provided great ideas to get around the Vanguard minimum open fees (use a single Vanguard fund and add on, use T.Rowe to start and then transfer, or use one of Vanguard’s low cost min funds and then transfer.) The control vs. no control explanations is something I will take into consideration when I make my decision regarding “to target fund or not.” It looks like I will probably select individual Vanguard funds in the workplace plan to construct my portfolio balance bc min opening balance might not be an issue. For RothIRA I will look into all that was suggested.
Overall, I gather that I should look at my retirement portfolio asset allocation as a whole for both types of plans and that I should be cautious about redundancy with different funds. This is sooo true as I just analyzed what I have for my TIAACref and there was significant redundancy in my allocations.
After reading around quite a bit and taking in the feedback given above, I have more confidence to proceed with further research and select specific funds for both retirement accounts. Thanks again.
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