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I have at least 20 years, and the available investment options aren't that great (high fees). I had a target fund but the expense on that one was like 2%, so this year I moved to an S&P500 index fund with 1% expense ratio... I know you could get Vanguard for 0.5, but it wasn't available. I do have separate IRA and regular brokerage accounts that have individual stocks and a few ETFs.
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