Dwight,Welcome to the boards!My 401k is restricted to Vangaurd funds and the Target funds were just added to the mix this year.You are fortunate. Most 401ks don't have choices that good.S&P index is good. (It's not that different from the Total stock market, however.) Target funds will reduce the volatility, and may or may not do better over the long haul. Taking a look at Target 2025, it has about 20% bond fund, and 15% foreign. You don't need bonds with almost 20 years to go to retirement except for maybe the sleep factor, and bond funds leak value compared to holding bonds themselves (although Vanguard can get some really good deals, I'll bet.) The foreign bit may do very well, but might not--I'm putting more in these days myself.All of your choices are good, so don't fret too much about which way you go. Vickifool
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