Vanguard target date retirement fund vs select your own
Vanguard target date retirement fund has an expense ratio of 0.05 and vtiax total international stocks had an expense ratio of 0.11. Isn’t the latter expensive? Target date fun d includes this so why do people buy individual funds rather than target date? Aside from being able to control the breakdown? Im fine with the portfolio of target date funds in my case. If I were making it myself maybe I wouldn’t include bonds and just have cds or some high interest saving account instead. Is there something I’m missing?