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If you’re really hands off these are a good choice. But if you are willing to rebalance a couple of times a year, it’s unnecessary to pay the extra fees associated with these funds.

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moseschrute@lemmy.world ⁨1⁩ ⁨day⁩ ago
I do like the automatic set it and forget it. Especially with scheduling transfers into investment accounts. I could probably get into rebalancing short-term, but I think long-term I would get bored and forget.

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- EatATaco@lemm.ee ⁨1⁩ ⁨day⁩ ago
  Yeah it’s not for everyone, but I just have an event on my calendar for every six months, and I just rebalance when it goes off. Only takes a short while, especially if you are using some tool that will tell you what your weights are.
  
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  - moseschrute@lemmy.world ⁨1⁩ ⁨day⁩ ago
    Any tools you recommend? Also, how sure are you that the cost savings actually make it worth the effort? My gross expense ratio is 0.08% (I think I’m looking at the right number?)
    
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    EatATaco@lemm.ee ⁨1⁩ ⁨day⁩ ago
    It really depends on how complicated your set up is and how much you value your privacy. I use personal capital (now empower), which also helps me manage a budget as well, and see our multiple investment accounts all in one place, so I can balance both mine and my wife’s. So I would recommend that, with the caveat that you might not feel comfortable sharing all of that with a third party.
    
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