pay attention to expense ratio

建议你去掉bond和passive investment，VBTIX JPMCB，纯碎在浪费钱。

剩下的fund，你可以看到VFFSX expense 非常低，其他的fund，expense很高，还不一定跑得过指数。expense扣去以后，基本上都跑不赢。

VBTIX Vanguard Institutional Total Bond Market Index Trust 

JPMCB SmartRetirement® Passive Blend 2035 Fund CF-B 

VFFSX Vanguard Institutional 500 Index Trust  expense ratio, 0.010%

PRGFX T. Rowe Price Growth Stock Trust C   expense: 0.67%

JVMRX John Hancock Funds Disciplined Value Mid Cap Fund Class R6 expense：0.75%

FSPTX  Fidelity® Select Technology Portfolio  expense: 0.7%
 

RFNGX American Funds Fundamental Investors® Class R-6

VMCPX Vanguard Mid-Cap Index Fund Institutional Plus Shares

NRGSX Neuberger Berman Genesis Fund Class R6

VSCPX Vanguard Small-Cap Index Fund Institutional Plus Shares

Vanguard Developed Markets Index Trust

VTSNX Vanguard Total International Stock Index Fund Institutional Shares

GQG Partners International Equity CIT Class D