<prompt> Human: Vanguard Russell 1000 Gr Indx Inst VRGWX seems like an extremely unrealistic fund. Once you have this money assuming youre contributing at 5,500yr you might hit this at age 50 if youre lucky would you even want to put all your eggs in one basket? Help me understand the point of these huge minimum retirement funds.  <response>: As other have said, its an institutional fund. But people who have this idea of this being all your money in one basket miss the point of investing in index funds entirely. Would you balk at the idea of someone investing 5MM spread across 1000 individual stocks if you accepted the idea of investing in individual stocks? Because thats exactly what this fund does for you. 