<prompt> Human: Giving myself a shot at trying to understand best practices for my retirement savings and wanted your opinion if you dont mind. Been a long time lurker and thankful for everything learned from this sub.Subject : Roth IRA with VanguardThought : Get away from a 2050 Target Retirement Index Fund due to higher fees 0.15Plan : Focus on a Core Four Portfolio found on BogleheadsVTI - Total Stock Market, 40... 0.04 feeVXUX - Total International Stock, 32...0.11 feeVNQ - Total REIT, 8...0.14 feeBND - Total Bond, 20...0.05 feeA few questions:1. Any reason to not do this and to just stick with the Target Date Retirement route?2. A few of these have admiral share options as mutual funds. Same exact fees, only difference I see is the mutual funds have 10,000 minimum to invest. What is the difference and is one better than the other ETF vs Admiral Shares of Mutual Funds?3. Any other tips recommendations?  <response>: Any reason to not do this and to just stick with the Target Date Retirement route?.15 isnt bad. Target date funds are easy set-and-forget. 