<prompt> Human: I found mustaches blog and it made me realize I am definitely not doing a good job with my planning. I have money scattered about Vanguard target date retirement funds my IRA and some in cash, but I think I want to move the cash over to index funds.Can anyone help me identify which funds I should be targeting? Second question - Is there any guaranteed return funds in Vanguard besides for something like a 10 year certificate? Thanks for all the help PFers.  <response>: Definitely check out the Long-Term Investing Start-Up Kit in the sidebar. Its also worth reading through the rest of the Bogleheads wiki - theres a boatload of great info there and it shouldnt take you more than a few afternoons to get through. 