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A Wrinkle in Timing: Getting Tactical with Target Date Funds
Vanguard 
May 30, 2015
"[In] an environment that will likely offer lower returns it's only human nature to feel like we have to do something.... [T]actical strategies infrequently work.... [G]etting the timing right is essential for a tactical strategy to pay off.... [It's] an active strategy that is difficult to execute because it requires accurate timing, keeping costs low, and consistent implementation to work."
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