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Welcome to part three of my series on rolling your own target date fund — taking charge of your own investments so as not to get blindsided, but without spending every waking moment reading the Wall Street Journal. Last week was all about the biggest factor in determining how volatile your portfolio is going to be: your asset allocation. This week, we talk about where best to place those assets. Yep, it’s all going to be about taxes and fees, fees and taxes. Since the vast majority of your investing is going to be for retirement, today I’m just going to talk about retirement vehicles; if you’d like to know about college savings, you might want to check this out. Ready? Let’s go. 401(k)’s: Fo