Comment by kqr

3 days ago

This is one of those things where again, one will have to weigh the costs of both alternatives. A rebalancing ETF usually has higher costs (management fees, but possibly also internal trading costs that show up as performance beneath benchmark index), but of course, manually rebalancing also has a cost – the cost of one's time and effort!

Vanguard's ETFs are really cheap. The retirement funds in question are like 0.24%, which is in the cheaper range for ETFs