建议你去掉bond和passive investment，VBTIX JPMCB，纯碎在浪费钱。
剩下的fund，你可以看到VFFSX expense 非常低，其他的fund，expense很高，还不一定跑得过指数。expense扣去以后，基本上都跑不赢。
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
