 Subject: Re: At sea over rollover, don't want to capsize! Date:
4/26/2004 2:35 AM Recommendations: 0 I am currently thinking of
moving the funds to a Vanguard Target Retirement account.
However, since I am, IMHO, behind the curve, perhaps I should be
a bit more aggresive and go with the 30 yr old's account (2035)
instead of the 40 yr old's (2025). Thoughts?  Are your only
investments the previous employee's retirement plans? What
flavor are they? (Not all plans are 401(k) or 403(b) plans.)
Assuming you can roll the funds over to a "Rollover IRA" and
that represents your only investments at this time, a target
retirement fund could make a decent one-fund portfolio because
it is a fund of funds and it doesn't add any expenses on top of
the underlying expenses.  This is what Vanguard says is the
composition of the 2025 and 2035 funds as of March 31, 2004:
Vanguard Target Vanguard Target Retirement 2025 Retirement 2035
45.2% 60.2% Vanguard Total Stock Market 39.9% 19.9% Vanguard
Total Bond Market 8.2% 10.9% Va