You may find these links helpful:

• 401(k) Fund Selection Guide
• 401(k) FAQs
• "How to handle $"

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70 % VANGUARD EXT MARKET INDEX INST (US broad market stocks)

30% VANGUARD TTL INTL STK IDX INST (international developed market stocks)

- OR -

whichever target retirement fund is nearest your 65th - 67th birthday

I would choose one of the retirement funds based

Again I don't know much, but that sounds like a solid answer. Thank you!

Looking at their performance, those have performed better than any of them, roughly 9% in 11 years.

Well the retirement funds have modest growth and are less volatile. You pick the year based roughly on your retirement date. As that date approaches it will add more bonds. Early on it will be more aggressive but less volatile compared to say a growth fund

Ext market index is mid and small cap only. Inst index is the 500 index

Before you do anything, you would do well to start learning. Don't trust internet advice about your money -- understand this stuff, learn what these two recommended and why. Most of the basics you can learn from the wiki here. I'm not sure this forum would steer you wrong or run endless fees like a neighborhood 'financial advisor' office would, but you best get to learning about your money and what you think you want to do with it before you follow us.

Id just use the target date fund with the date being your estimated retirement date. So if you think you will retire in 2060 go with the 2060 fund. Unless the expense ratio for those funds are very high relative to the other funds on offer.

You cant really read a chart and get an accurate return for a target date fund...they change their assets regularly. If you try to look at the 30 year return for a 2030 fund it will be a smear of returns going from almost all stocks to a fair amount of bonds. That isnt really a good way to read relative performance.

I think you’re right, I saw somewhere on the website about the fees being lower for target date funds. That’s what I’m going to do. Keep those fees off my profit.

Check the actual fees, target date funds are managed and usually have higher fees than unmanaged index funds. Though in some cases the fees are still very low so it isnt a big deal.