Vanguard and the other stuff is for suckers who don't know how to invest their money so they pay professional idiots to invest their money for them, paying a fee so those professional idiots can make a living.
The solution is buy shares of corporations which have a long history of raising the dividend every year or every 3 months. Hold on to these shares for the rest of your life. Reinvest the dividends and watch your annual income grow. When your dividend income is greater than what your job pays you, then you can retire. I recommend Kinder Morgan and AT&T.
https://answers.yahoo.com/question/index?qid=20150425193232AAXuFSz
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