<prompt> Human: Should I consider moving my entire 401k to an index fund instead of using the Target Date Funds? I am about 30 years from retirement. Not sure if this would be advisable or not.Some reasons: more aggressive growth, maximize dollar cost averaging during market down times, lower fees. Thoughts?  <response>: The Vanguard Target Date funds are composed of 4 index funds. However, if you do it manually and have enough for admiral shares, you can reduce your ER. 