I make 100,000 a year and am 30 y/o( wife makes 49,000)
I just started saving 7 months ago
ING savings: 18,000
Roth IRA: 5000
Target Fund DATE 2045
401k: 3,000
BOND MARKET INDEX FUND Fixed Income - Intermediate Bond 5%
S&P 500 EQUITY INDEX FUND Large Cap Stock - Blend 35%
S&P 400 MIDCAP INDEX FUND Mid Cap Stock - Blend 20%
RUSSELL 2000 INDEX FUND Small Cap Stock - Blend 20%
INTERNATIONAL INDEX FUND International Stock - Blend 20%
I do hold about 5-6% in precious metals
Question
I want more risk I'm thinking of keeping my 401k the same but switching my IRA from the target fund to (VTSMX) 75% and 25% of (VGTSX) or just 100% in VTSMX