Hi all, got a beginner question about etfs. I am 27 and this is the first time i'm putting money into etfs. I have bought shares and properties in the past. My plan is either to put 100% into vdhg or 60%vas and 40%vgs. With vdhg, i'm not sure about the bond, small company, fixed interest portion. Their management fee is at 0.27%, while VAS + VGS is (0.1+0.18)/2 = 0.14%. They do offer auto rebalance, but i guess if i do it manually, i would only rebalance once every few years anyways and with only 2 etfs, it should be very easy. Also, i will be given the option to auto reinvest the dividends for all Vanguard etfs right? So yeah, do you think i should go with 100% vdhg or 60% vas + 40%vgs and why.