He saw a movie , he ' s a movie critic , he made a review . I think it ' s pretty simple <| sep |> Well , I stopped owning them . So I guess we live and learn . <| sep |> Do you understand taxes and its purpose ? I ' m not making fun I ' m genuinly curious <| sep |> Hopefully you ' ll make enough to not drain it immediately this time . Saki OnobaraMedia is in ! PM me your Skype info <| sep |> The Vanguard target date funds are built of index funds so they are effectively an index fundAlso , stop stroking your index funds , there are good index funds and shitty index funds , cheap index funds and expensive index funds , an index fund isn ' t inherently betterPlus , most target date funds are index based anyway . They ' re more expensive than just an SP 500 fund because bonds , international , and international bond funds are more expensive than domestic funds