Managing your own IRA/401K funds

[fuddyduddy]

We have our retirement savings in target date mutual funds (within IRAs) with Vanguard. It takes the guesswork out of investing and the fees are extremely low.

[milkrations]

Our Roth's are target date funds. For H's 401k (I have a pension) I did some research to find out what mix (large/mid/small/foreign funds and stocks/bond ratio) we were comfortable with. From there, we picked the funds in each category that had the highest Morningstar ratings. It wasn't too much work because he only has 2 or 3 options in each category. H's 401k website has links to all of that information for each fund.