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3 Retirement Saver Portfolios for Minimalists

Christine Benz (christine.benz@morningstar.com)

The key reason is to limit your oversight responsibilities to help you focus on the parts of your investment program that can really move the needle--namely, your savings rate and your asset allocation. Alternatively, you could employ simple index funds or exchange-traded funds as building blocks, as in the portfolios below. In contrast with an all-in-one fund strategy, employing multiple funds allows you to exert some control over your asset allocation, customizing your portfolio's risk level to suit your situation.