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Cruian t1_j6o3oys wrote

>for a Roth IRA beginner?

Then:

>VFFVX target retirement fund

Since I personally consider VFIAX to be an obsolete recommendation in any account where you aren't limited to a short list to pick from. Doing VFIAX would mean taking on an uncompensated risk factor (the bad kind of risk) of single country while also ignoring a compensated risk factor (the good kind of risk) of smaller market cap holdings.

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