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A couple of quick comments on some of the replies...

Rebalancing frequency: Rebalancing every 3 months may be too frequent. Many people suggest about once a year, and I have seen every 3 years recommended. Another strategy is to rebalance when your allocation deviates from your desired allocation by a given percentage (5% for example).

Target Retirement Funds: If you are going to retire in 2045, many suggest choosing a 2055 (or later) fund as it is believed that most target retirement funds are more conservative than they need to be. If you are going to take this route, first do some research and studying to find an allocation you are comfortable with and then choose the target date accordingly, even if it is not the year you plan to retire.

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