HOw do I chose which funds to place it in?I would suggest visiting the Vanguard site http://www.vanguard.com, click on the "Go to Personal Investors site ..." link | "Planning and Education" tab and start reading through the pages on "Investor Education" and "Retirement Planning".Yes, I have some ideas, and I have posted my holdings in various messages, but what I do and what you do may be different things. What is important is that you understand what you are invested in and why. It is necessary to take prudent risks, but what you call "prudent" and what I call "prudent" may be different, and you may find that a 1-fund portfolio (such as the Vanguard Target Retirement 2035 Fund) is a better fit for you whereas I may find that a 4-fund portfolio is better for me because I have taxable investments to consider, along with trying to minimize tax drag on taxable investments, so I find asset placement a valid concern for my accounts.But if I tell you that you should invest in A and B and have an Asset Allocation plan, but Chin comes along and suggests A and C with a variant Asset Allocation plan with a rebalancing scheme, and then someone else comes along and recommends market timing techniques and conveniently ignores that "index funds" are far more than just the S&P 500 index fund, if you don't already have a reasonable plan for yourself, you may find yourself swayed by the various messages that approach investing from somewhat different angles and with somewhat different needs and assumptions.The best defense is to get some education under your belt, and I think Vanguard presents some useful information, at least from the prospective of being invested in both stocks and bonds and having an Asset Allocation plan with some form of rebalancing. And even if you decide to go with another company, at least you can see what one of the approaches is.
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