<prompt> Human: Schwab Target 2045 Index Investor SWXHXVanguard Target Retirement 2045 Inv VTIVX According to the profiles of each, they have fairly similar asset allocations...Schwab has about 5 more into domestic vs intl with total stocks making up 90 of the portfolio. Both have pretty similar allocations in which industries they are invested in as well. These do differ a bit more in regards to their bond allocations though.Am i overthinking this? I should pretty much stick to Schwab with the lower rate?  <response>: Am i overthinking this? I should pretty much stick to Schwab with the lower rate?Yes. These funds are completely interchangable. The difference in expense ratio is immaterial. The difference in asset allocation is also minimal, and there is no way to know exactly how it will affect your risk and returns going forward, except that it will be a small impact. 