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I'm 45 and have 26K in a Roth IRA that I'd like to rollover to Vanguard Funds. I've just recently started paying attention to investing and feel like I'm way behind. (I also have 50K in my employer's 401k plan.)

I'm looking at the Target Retirement funds, but the 2025 Fund is 60:40 stocks:bonds which sounds a bit too conservative to me. The 2035 Fund is 80:20 stocks:bonds which almost sounds too risky! Why not a 70:30 mix? or is that splitting hairs - does it make that much difference?

I've also considered Armchair Millionaire investing (equal parts large cap US, small cap US and large cap Intnl), and Couch Potato investing (75:25 stock index:bond index), but then I'd run into a $10 annual fee for at least one of the funds since the balance would be below 10K. Would that be worth it anyway?

Any suggestions are greatly appreciated!
Thanks a lot.

D. - whose brain is starting to hurt......
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