<prompt> Human: Hello guys just was transferred to a new 401-K program. Currently, my entire exposure sits in BLACKROCK LIFEPATH IND 2055 LIVIX 0.38. If I had the option to throw everything in a Vandy Target Date fund, I would have done so to lower expenses seems like Blackrock follows a different asset allocation strategy than vanguard as well, just not very familiar with it. More familiar with my vanguard retirement fund allocation through my roth ira. I do, however, have access to several Vanguard Admiral Share offerings with this 401k program. Using the following funds, could I potentially mirror a Vanguard Retirement Date 2055 fund? Or is the hassle not worth it either too hard to mirror the target date fund or no meaningful ER savings? Just looking for any advice regarding potential allocation. Thanks!Available Vanguard Funds: VANGUARD CORE BOND ADMIRAL VCOBX 0.15 VANGUARD DEVELOPED MARKETS ADM VTMGX 0.09 VANGUARD FTSE ALL-WORLD EX-US VFWAX 0.11 VANGUARD US GROWTH ADM VWUAX 0.32 VANGUARD VALUE INDEX ADMIRAL VVIAX 0.08 VANGUARD MID CAP INDEX ADM VIMAX 0.08 VANGUARD SMALL CAP INDEX ADM VSMAX 0.08 VANGUARD 500 INDEX ADMIRAL VFIAX 0.05  <response>: 2 VANGUARD MID CAP INDEX ADM VIMAX 0.088 VANGUARD SMALL CAP INDEX ADM VSMAX 0.0845 VANGUARD 500 INDEX ADMIRAL VFIAX 0.0535 VANGUARD FTSE ALL-WORLD EX-US VFWAX 0.1110 VANGUARD CORE BOND ADMIRAL VCOBX 0.15You could also simplify the total US Market slightly and just go 45 500 Index and 10 small cap, you miss the mid caps but it isnt going to throw you off too much. Total US market approximations derived from here: The only way this differs from the VG target dates is that it doesnt have an international bond allocation, which is normally 2 of the Target Date. There is also a slight difference between the ratios. I believe the VG Target funds have a 37 international allocation, so you could change that and claw a little more from the US piece. 