[jonesboheim]

#4 misses the point. Target date funds are misleading to investors because they stack expense ratios. When you look at the prospectus it looks like a low expense ratio but in reality it's an expense ratio on top of those imposed by all the funds being held. You're basically paying a guy to move mutual funds around every few years, something you could easily do yourself. Not to mention the fact that since many of these plans don't have the best investment options to begin with, it's not such a great idea to throw your hat into a scheme that sucks away potential gains.

[Archie Bunker on steroids]

Bingo......assett allocation funds are just a scheme to put more money in the mangers hands. However, ignore expense ratios and front loads and compare the performance of funds over time. Some no load, low expense ratio funds can under perform higher priced ones in the same class. It'll drive you nuts.

[SierraWasp]

I don't care! It's still the best place to put money while you're workin there!! Specially if the boss is plunkin in "free tax free match money!" After one quits, after making the best possible choices while employed there... Roll me over in the clover and do it again in my own personal self directed IRA, right?