create your preferred allocation from the following:
Vanguard Inst Index Fund Inst
Vanguard Mid-Cap Index Fund Inst
Vanguard Small-Cap Index Fund Inst
Vanguard Tot Intl Stock Ix Inst
Vanguard Inter-Term Bond Idx Inst
To match the current 90% stock and 10% bond allocation of the Target Retirement 2045 fund but by using lower cost funds, you would choose an allocation like this:
43% Vanguard Inst Index Fund Inst
6% Vanguard Mid-Cap Index Fund Inst
5% Vanguard Small-Cap Index Fund Inst
36% Vanguard Tot Intl Stock Ix Inst
10% Vanguard Inter-Term Bond Idx Inst
*Note: The TRD fund's stock allocation is currently 70% US and 30% international, but will be switching to 60% US and 40% international by the end of the year. I used the 60/40 for the above allocation.