This brings up an important question: are there TDF-like funds that can be used in a taxable account? Yes, [iShares](https://www.ishares.com/us/strategies/what-is-a-target-date-fund) has some. [This reddit thread](https://www.reddit.com/r/Bogleheads/comments/1jc8h03/why_vanguard_does_not_offer_a_single_etf_that/) has some good pointers.
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In most cases this is all people need to do basic investing with reasonable return.
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In most cases this is all people need to do basic investing with reasonable return. The book [The Simple Path to Wealth](https://www.amazon.com/Simple-Path-Wealth-Revised-Expanded-ebook/dp/B0DT7CM52P) is great and describes an even simpler way by just investing in one total market fund (VTSAX).