<prompt> Human: After years of scrapping by pay to pay check I finally setup a 401K, sold a week of vacation back to the company as a 401k contribution to jumps start things and am contribution 5 3-100employer match 5-50match. I had no idea what I was doing picking funds. Should I change my future contributions and should I reallocate my current account? - Vanguard 500 Index Adm VFIAX 30 - Vanguard Instl Target Retirement 2050 VTRLX 30 - Vanguard Mid Cap Index Adm VIMAX 20 - Vanguard Small-Cap Value Index Adm VSIAX 20 If I should reallocate there are a couple buttons, do I use Direct Fund Transfer or Reallocate Account Balance?Assistant: Honestly 100 VTRLX is probably a really good choice.It does everything for you, its got small, mid, and large caps and gradually gets more conservative over time as you near retirement. Direct Fund TransferThat moves money from one fund to another Reallocate Account Balance?This allows you to change make-up of your various underlying funds. For sheer simplicity, you can put 100 into VTRLX and never have to worry about anything until you retire. Just keep pumping money into that fund and youll be set. Human: No bonds or international? Thanks!  <response>: Vanguard Instl Target Retirement 2050 VTRLX includes US stocks, international stocks, US bonds, and international bonds already 