[Cactus Terry]

it is sad but you are completely right. i havent put any real thought into it. that is why i appreciate your guyses input. i went to the website but it really is all greek to me. i really dont understand what Unrealized Appreciation/Depreciation as a % of NAV is and probably never will. i know it is important but these kind of finance things are very foreign to me. i grew up in a pay check to pay check house and basically have one of my own. saving for retirement isnt something that has ever been on my mind (and that probably makes smart people like you guys sick) but someone i work with spent a lot of time trying to talk me into it and i did it as a whim. maybe it is a mistake to get involved in at all being so ignorant of what i am doing but i dont notice the money being taken out and it isnt taxed and if it goes up a few bucks a month like it has so far that is fine with me...so maybe i should do what you say and just put it all in 2045? i dunno it just seems more 'fun' spreading it around. i was actually gunna put like 4 or 5% in all of the different funds when i first started but someone talked me out of that and said i should just pick 4. they also told me that the foreign one does really well...but if you are saying that the vangard one incorporates all of that ill take your word for it. if anyone could recommend one or two of the others that would compliment the vangard 2045 that would be cool.

thanks again!