re: 401K Question

If your fund manager doesn't offer target investments you can still select investments that conform to the target guidelines. Note that for the next 15-20 years, 90% of your investments are in stocks, 63% U.S. and 27% international. Your plan should have offerings in these categories that would allow you to make a similar allocation.

If you have the option of a Roth IRA I would select that. Your contributions will be after tax but forty years of appreciation can be withdrawn tax free. That's a hell of a deal.