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How to choose mutual funds to invest in
(lemm.ee)
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schwab has an autobalancing option for a mix of stocks, bonds, and if you set it aggressive even commodoties I think. then there are at least I think two mutual funds that autobalance stocks and bonds and I think vanguard has one of them but you will have to look them up as a quick search did not get it for me and I don't feel like going further. but its a thing that exists.