In January I made the switch to a TDIF (VFIFX) as I preferred the auto-rebalancing of the fund versus having to keep up with the maintenance over the long-term. I also decided to invest in VGSLX (REIT Index) as a way to get some exposure to real estate.
Taking into consideration the expense ratios of both funds from a long-term perspective, do you think holding VGSLX is even worth it? Or should I exchange it over to VFIFX?
VFIFX exp: 0.15%
VGSLX exp: 0.12%
What I don’t want to happen is having the expense ratios eating away at future returns. My initial thoughts were to do a 50/50 contribution going forward. Or do a 90/10 split of my contribution, with VFIFX in favor of getting the 90%.
Looking forward to feedback!