Thanks everyone... for all the things to think about. Now I'm going to think for a bit, read for a bit, but I'm going to act pretty soon. I'm going to go to Vangaurd's site and see how the target funds have been performing relative to the S&P index fund. If they've been moving up as well, but seem to hold better on the way down, then I'll feel better about making the switch. However, if they haven't recently fallen as much as the S&P, than I'll be buying fewer shares with my precently lower priced S&P shares.... oh, oh it's all so tricky. Anyway, I've got some work to do. Thanks all. I'll be watching these boards. I figure it won't take more than a few years to get a little better at retirement investing. Funny how I didn't care much about this when I was younger... who'd a guessed?