My wife and I each have our 401ks through Vanguard. What fund should we allocate them to? And why? It seems like the wisdom is to just allocate 100% to the 50, 55 or 60 fund.

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Additional Posts in Personal Investment Chatter

Recent grad looking to refi ~60k in private student loans. I’ve qualified for a decent rate - currently paying around 5% but through refi I can get between 3% to just under 4%. I can’t decide on the sliding scale amount (interest vs monthly payment trade off) to go with. If I keep my current monthly payment that puts me at 3.46% - which is great - but wondering if I should be more/less aggressive. I have another 40k in federal loans that I’m not currently touching due to current relief. TIA!

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