Within the 401(k) I'd choose VINIX, but I wouldn't max out the 401(k) if that doesn't leave you enough money to also max your IRA contribution for the year (if you can max both, all the better). IRA contributions can be made a little later (until April 15th of the following year), so if you can max your 401(k) for the year by December and contribute $5500 to an IRA early in 2017, that will maximize your 2016 tax advantaged savings. If you want exposure to bonds or international stocks, you'll be able to get it in a Vanguard IRA for reasonable expense. If you open a Roth IRA instead of traditional, I would be sure to be at least as aggressive in the Roth account as the traditional account - Roth earnings are never subject to income tax if they come out as qualified distributions - so a Roth IRA would be a poor choice for bonds.