<prompt> Human: Hello Redditors,Mint tells me that the Vanguard Target Retirement fund, in which i have invested my 401k money, is performing below SP 500 index Please click the link below to see the Mint graph. Does it then makes sense to pull money out and split between Vanguard Institutional 500 Index Trust, Vanguard Institutional Total Stock Market Index Trust and Vanguard Institutional Total International Stock Market Index Trust? I guess these are the equivalents of VOO, VTI and VXUS respectively. Are there any fees involved? Is there a tax impact? By the way, I am close to 40 years in age and i am okay taking risk with my stock market investments for the next 10 years.Mint Graph!EDIT: Thank you so much for the responses, for helping me understand the philosophy behind your recommendations and for helping me to make the right decision. I will continue with the target date fund and will buy VOO VTI with my future 401k contributions when the stock market is down.  <response>: The Target Retirement fund will perform differently than the 500 index because the Target Retirement fund has lots of other things in it, including small cap US stocks, international stocks, US bonds, and international bonds.There are no tax consequences for reallocating your 401k investments, but if you do so, you should do so based on a well-reasoned plan, not to chase the recent performance of a particular fund. 