<prompt> Human: So, plenty of respected money types Suze Orman, Clark Howard, etc suggest that if you dont want to spend too much time on your retirement savings, just plop your money in a target retirement fund, where you select the year you want to retire, and the fund automatically moves to bond and safer choices as you get closer to retirement. Since the market is super down and on sale right now, Ive chosen to put all of my money in mutual funds, mostly in Vanguard 500 with a few others thrown in a value fund, a natural resources fund and a growth fund. I figure since Im 32 I have some time to ride the market, and a bunch of bond and money market funds are just going to reduce my return.Am I crazy? Is there a good reason I should be doing anything besides buying stock on sale?In case it matters, Im currently investing 6 in my 401k enough to get the match and maxing out my Roth IRA. That puts me at investing around 16 of my gross pay. Im currently debt free except for my mortgage and 7.6k student loan, which should be paid off by June.Thanks in advance for any advice or ideas! edited because I cant spell  <response>: In 1960, when I had my first hunk of cash, my dad suggested purchasing a mutual fund, my first long-term savings. Over the years, I kept it, as much for sentimental reasons something I did with my father as for anything else. It was a tiny part of my savings by the time I retired. The company that ran it merged and merged and got bought out and then got spun off again. In 2010 I finally sold it. A 50 year investment. Come tax time, I sat down to figure the capital gains, and much to my surprise, per the cashout sheet the broker sent me, it was a net loss. Not just a loss compared to inflation, a real loss. So I yanked out the old documents I had almost every one of the annual 1066DIVs going back to the 60s, which explains why theres no space around here. Yup, if Id taken the dividends instead of automatically re-investing them, Id have had more money. And if Id put the original money in a 5 CD Id have had even more money.TL;DR: what they say about the stock market aint necessarily so. 