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Today was another great academic demonstration by Craig. I like the empirical evidence presented in Craig's webinars whereby he shows how certain things that might be considered common knowledge are not always what they seem. Today Craig showed how single ticker funds are not always the best choice, and this is especially true during the retirement withdrawal years. I was vaguely aware of this before today's webinar began, and never use target date funds for this reason. Many attendees may be helped.