Vanguard Target retirement funds vs AllianceBernstein Wealth Appreciation Strategy?

The AllianceBernstein Funds are load funds. Vanguard funds are not. The big advantage of the AllianceBerstein fund over the Vanguard fund is that it has a portion of its assets in foreign stocks. The Vanguard retirement funds do not. It is my oppinion that an investment portfolio should have a significant portion invested in foreign companies.

Another thing I do not like about the Vanguard funds is that they are index funds. That is they are indexed to the stock market in general and are unmanaged. I know that 70% of mutual funds underperform the general stock market, but the trick is not to buy those but to buy the other 30%.

The last thing I do not like about the Vanguard retirement funds is that as the retirement date draws nearer, the fund allocates a larger portion to bonds. Inflation and bonds do not mix well.

Frankly, I hate load funds. If it were not for that I would be very tempted to recommend the AllianceBernstein fund. I think it is a better choice due to the international exposure.

Definitely VANGUARD -they have a proven and steady performance on all of its funds and also the lowest fees in the business.

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