<prompt> Human: Background: Significant other just got a new job that unfortunately does not have a matching 401k. The fund options in the plan dont actually look that great, but since she has already maxed her IRA for 2018, I believe she should still contribute as much as she can, if anything just to reduce her tax burden. You guys were extremely helpful in setting up my own 401k so I was hoping you can help her as well. Age 33; contributing 10Target Date Funds American Funds 2050 RFITX .43 expense ratio American Funds 2055 RFKTX .45 expense ratioInternational Funds Vanguard Developed Markets Index VTMGX .09 expense ratio DFA Emerging Markets Small Cap DEMSX .92 expense ratio Dodge Cox International Stock DODFX .64 expense ratioSmall Cap Funds DFA US Targeted Value DFFVX .37 expense ratio Hartford Small Cap Growth HSLYX .83 expense ratio Vanguard Small Cap Index Adm VSMAX .08 expense ratioMid Cap Funds Fidelity Mid Cap Index Investor FSCLX .19 expense ratio Janus Enterprise JDMNX .68 expense ratio MFS Mid Cap Value MVCKX .75 expense ratioLarge Cap Funds American Funds AMCAP RAFGX .37 expense ratio JPMorgan Equity Income OIEJX .51 expense ratio Vanguard 500 Index Admiral VFIAX .05 expense ratioBonds American Funds Capital World Bond RCWGX .53 expense ratio Vanguard Total Bond Market Index Admiral VBTLX .06 expense ratio Wells Fargo Core Bond MBFAX .83 expense ratioIm thinking instead of a target date fund, its better to do a standard 3-fund mix of international, domestic, and bond. Some thoughts and opinions would be greatly appreciated!  <response>: Id probably do something like:- 15 VTMGX- 15 VSMAX- 15 FSCLX- 50 VFIAX- 5 VBTLXx200B; 