<prompt> Human: Ive tried doing research but its just so confusing with so many options. I understand there should be diversification and since Im 23 it should be aggressive, however I simply feel overwhelmed with trying to figure it out. My company doesnt match unfortunately but they do give out annual bonuses to all who participate in the 401k, so I figure something is better than nothing . Here are my options Any help at all would be appreciated . I havent contributed in 6 months since I started working and Id really like to start.  <response>: I would probably go 100 in the vanguard life strategy growth fundIts 80 stocks, 20 bonds. Has a nice diversification of the total US stock, total international stock, total US bond, and total international bond market100 vanguard 500 index admiral is perfectly acceptable too 