<prompt> Human: I have a little over 50k in my 401k right now and I have never really thought about my percentage distribution. In the list below, I put my current percentages in front of each fund... Im 33 so would probably retire in 2045. Is that 2045 fund decent enough for me to put a larger percentage in? 20 - Wells Fargo Stable Return Fund N60 PIMCO Total Return Fund Inst American Funds American Mutual R6 WF BlackRock S P 500 Index CIT N American Funds Fundamental Invs R6 American Century Growth Instl 10 - Wells Fargo Adv Spec Mid Cap Val - Inst Goldman Sachs Growth Opportunity I 10 - Perkins Small Cap Value Fund Class I Diamond Hill Small Cap I American Funds EuroPacific Growth R6 5 - American Funds New World R6 Invesco Real Estate Fund R5 Janus Triton T American Funds Small Cap World R6 5 - Templeton Global Bond Adv American Funds New Perspective R6 Vanguard Target Retirement Income Vanguard Target Retirement 2010 Vanguard Target Retirement 2015 Vanguard Target Retirement 2020 Vanguard Target Retirement 2025 Vanguard Target Retirement 2030 Vanguard Target Retirement 2035 Vanguard Target Retirement 2040 50 - Vanguard Target Retirement 2045 Vanguard Target Retirement 2050 Vanguard Target Retirement 2055 Vanguard Target Retirement 2060  <response>: 1. Target date retirement funds are intended to be an all-in-one fund by itself. Buying other funds outside of it is just being redundant, andor throws off the auto-balancing thats done by the target date fund. Pretty much usually you should be only doing one investing in individual mutual funds to make up your portfolio or the other invest 100 in a target date fund.2. The Vanguard Target Retirement funds are more than decent enough funds to entrust 100 of your portfolio in. 