Watch out for the fees on those target funds. If you’re 30 years old and able to max out the 401k on regional pay, you’re ahead of the game. Likewise, your investment strategy for at least the next 20 years should be FULL STEAM AHEAD. You’ll be able to ride out the next couple massive market downturns and come out ahead if you’re all in rather than trying to time the market. The sooner you hit that max, the sooner the virtuous circle of compounding interest will work for you. Why pay exorbitant fees for someone to essentially make zero change in your asset allocation for the next couple decades? The difference could amount to many tens of thousands of dollars by the time you retire.

My advice? Dump everything in a super-low fee S&P500 index fund and don’t even think about it for the next 20 years. As retirement shows up on your horizon, look into balancing your nest egg out into gradually more stable investments. Don’t just take it from me, take it from Warren Buffett:

https://www.marketwatch.com/story/wa...nds-2014-03-13