<<<I have at least 10 years until I need the money. I'm considering something with Vanguard, perhaps 50% broadly diverse U.S. fund 10% internatinal fund 10% REIT index fund 15% money market fund 15% intermediate-yield bond fund>>>Two things: first, if you have 10 years before touching the money, it needs to all be in equities. The move some into a money market fund when you get to within 5 years of retirement. Second, reconsider your "diversification". Having all those different funds doesn't mean your diversified. For good diversification, all you need is an S&P 500 index fund. Outside of that all you're doing is paying extra management fees that only reduce your return. If that's not an option, talk to the person in charge of employee retirement, then pick the one best fund from your options.JLC
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