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Yikes! Having to choose between all those funds can be quite intimidating!

I agree with CABob's advise to first allocate everything to a retirement target date fund, while you get yourself a little bit of an education on investing.

One book I would highly recommend is Bernstein's "Four Pillars of Investing". A second choice would be "The Coffeehouse Investor". A third choice would be Bogle's book on Mutual Funds.

I think reading any one of these books would be a better investment of your time than chasing all over the web for research and advice, which you have no way of guaging how reliable the research or advice is.

Much of how you handle your investing portfolio now and in the future is determined by how much education you're willing to get, how much time and energy you're willing to devote, and how much you think you'll get rewarded for doing so. In the end, it's up to you.

But keep in mind that there are many 'lazy' investors who do quite well simply by knowing the basics of portfolio allocation. Spending too much time and energy researching every investment option is, IMHO, often not the way one wants to spend their leisure life.


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