<prompt> Human: I have not paid much attention to my 401k over the past 18 months. Our fund options changed roughly 2 years ago and I took the default option to a target-date fund. I checked a personal rate-of-return, and it was maybe 1 double-checked it to be 3.6. Additional checking got me to realize it was 2 years cumulative return that has me lacking: -1.1 for my holdings vs. 6.5 for S5 500 wo div.I wanted to track down the source of the delta, and I think it was the exposure to international stocks via a fund that is down close to 20 in that time.I went ahead and moved out of the target date fund and into a SP500 index fund a bond fund.Opinions on target date funds, international exposure Bogle says you dont need it, potentially selling atnear bottom?  <response>: The issue here isnt your target date fund and what it is invested in, its making knee-jerk moves based on short term performance. What are you going to do when the SP 500 tanks? Move everything into bonds? 