re: Company sponsored Vanguard 401(k) plan question...

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Ya, if you don't like the stock/bond mix in say, your 2050 plan, you could always just move into the 2045 or 2040 plan which would be heavier in bonds than the 2050 plan. Just because you want to retire in 2050 doesn't mean you have to buy that one.

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exactly. if you're in the 2060 plan right now, just say, you could in 10 years just transfer it to the 2070 plan if you liked the future allocation better. or move it to 2050 whatever.