I’m new to personal finance, my entire 401k is in a Vanguard Target Retirement 20xx Trust Select fund. Is there anything you would do differently?

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If you are new and no sure what to do, you have it invested exactly like you should. I would not change anything.

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I do target date funds but I put a portion of it a couple years later than I plan to retire so the investments are a little more aggressive

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Agree with EY1.

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I got royally screwed as a young investor withthe target funds. I lost 75%. When I expressed my irritation they said, oh, you're young, so we figured you could afford to lose it all. I never left my funds in a target plan again.

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I honestly don't remember the product mix but I had it in "retire when you're 67" kind of plan and I had like 10k in there until one day I had less than 3. I was pissed.

I put in vanguard institutional total stock market index trust fund

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