[MatthewRyan]

You are very, very lucky to have the VG TR funds in your 401k plan.

Usually the first thing a person needs to do is find out the expense ratios on all of their funds, and then throw up a little in their mouth. Because usually you get raped in a 401k and pay 1.5% ER's.

However, I can tell you right now that the VG TR 2045's ER is .21%.

Remember that 90% of your investment return will come from your asset allocation, or the specific mix of the stocks/bonds in your protfolio.

Having the vangaurd TR 2045 fund will make sure that you have an appropriate asset allocation now, and for the rest of your investment life because the fund automatically becomes more conservative as your time horizon, risk tolerance, and need to take on risk decreases.


Simply stick your 401k $ into the VG TR 2045 and forget it. I want to add that if you have any extra money that youd like to invest outside the 401k, make sure to open a Roth IRA @ Vangaurd.