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  • Well, I think he wants to up the risk for 20 years and then begin to derisk. The Vanguard Lifestrategy presumably is a bit safe over long term

  • up the risk for 20 years and then begin to derisk

    I think this is the point of the Target Retirement 2045 fund. You just buy it and they derisk for you as you approach retirement.

    Some would say that fund is too risk-averse and too UK-weighted as well.

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