建議你去掉bond和passive investment，VBTIX JPMCB，純碎在浪費錢。
剩下的fund，你可以看到VFFSX expense 非常低，其他的fund，expense很高，還不一定跑得過指數。expense扣去以後，基本上都跑不贏。
VBTIX Vanguard Institutional Total Bond Market Index Trust
JPMCB SmartRetirement® Passive Blend 2035 Fund CF-B
VFFSX Vanguard Institutional 500 Index Trust expense ratio, 0.010%
PRGFX T. Rowe Price Growth Stock Trust C expense: 0.67%
JVMRX John Hancock Funds Disciplined Value Mid Cap Fund Class R6 expense：0.75%
FSPTX Fidelity® Select Technology Portfolio expense: 0.7%
RFNGX American Funds Fundamental Investors® Class R-6
VMCPX Vanguard Mid-Cap Index Fund Institutional Plus Shares
NRGSX Neuberger Berman Genesis Fund Class R6
VSCPX Vanguard Small-Cap Index Fund Institutional Plus Shares
Vanguard Developed Markets Index Trust
VTSNX Vanguard Total International Stock Index Fund Institutional Shares
GQG Partners International Equity CIT Class D
