<prompt> Human: I rather not just throw everything into the target fund for diversification sake. What other fund looking to keep it simply can I also invest in that would diversify should the target fund take a hit? I have access to vanguard admiral shares. EDIT: I understand that the target fund is diversified. My thinking was possibly a bond holding to get slight gains for some funds.  <response>: A target date fund is already diversified among thousands of US and international companies and bonds of businesses and governments. Adding another fund will not add diversity. 