<prompt> Human: I had about 40k sitting in a 0.80 savings account, so I put 20k into a normal not sure what the correct term is account with Vanguard, into a target date fund. My Roth IRA with them is also entirely in the same target date fund.Im not sure if I made a mistake by opening a regular investment taxable, right? account, I guess I just didnt know where else to put this cash I had on hand. I have already maxed my Roth contributions for 2012 and 2013. The other 20k is still sitting in the savings account.I read here that target date funds should be kept in tax-advantaged accounts.I guess basically my question is - is this alright for now, or should I buy the underlying funds VTSMX, VGTSX, VTBIX on their own? I would be eligible for the Admiral shares of the domestic stock fund VTSAX if thats relevant, but not the others for now.  <response>: It will do you good to read that for your taxable account.As for your 401k, you can try rportfolios as long as you follow their FAQ on posting. However, Im not knowledgeable enough to tell you exactly how and where to put your money just by looking at that picture. 