<prompt> Human: Hey rPersonalFinance! I have a question about VTTSX Vanguards 2060 retirement fund. On the fund summary page the Expense Ratio is listed as 0.18. This seems pretty good, but I then looked at the funds in VTTSXs portfolio: - 0.17 - 0.22 - 0.2 - 0.23With my ownership of VTTSX, am I also paying fees to all of these funds? If so, what is the overall expense ratio after taking this into account?  <response>: Vanguard retirement funds dont add any expenses themselves. That 0.18 expense ratio is just the weighted average of the underlying funds. 