Offer your thoughts or opinion on the input financial query or topic using your financial background.

Should I “hedge” my IRA portfolio with a life cycle / target date mutual fund?
I like that you are hedging ONLY the Roth IRA - more than likely you will not touch that until retirement.  Looking at fees, I noticed Vanguard Target retirement funds are .17% - 0.19% expense ratios, versus 0.04 - 0.14% for their Small/Mid/Large cap stocks.