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You folks are the best. Thanks so much for your help!

Thank you all very much for your advice. You all have convinced me on not needing bonds at this point. I looked at the Freedom Fund 2040, but the expense ration of .76 bothers me. I do have additional items I could use help with, though: Under the description "Large Blend", there are 3 index...

Hi, I am 21 years old and just graduated from college. I just started a 20 hour per week job at a university in upstate New York and want to join the university's tax deferred retirement plan. We have a choice of TIAA-CREF or Fidelity. My parents also work at the university, but started when...