[CRFSaver]

I would check your prospectus quite closely as I would bet you the .21% Vanguard is charging you is on top of the Weighted Average .207% in all the funds. As for someone retiring in 19 years finding a single good (Vanguard or Fidelity) fund to invest in is what I would advise people. That extra .21% can add up to real money over 17 years. I remember seeing an article about people spending more time researching car purchases then they do their own investments that are a lot larger dollars and mean a whole lot more in the long run. Of course everyone has their own preferences on what they should do and why and as long as you are comfortable with what you have then go for it. I am greedy and want the extra .21%...