I'm envious of your plan options, and I wish we had a similar package where I work. In my case (I've actually posted here about it before,) our 403b plan has extremely high expense ratios. I don't want to hijack your topic, but does anyone know the best way to get our VP of HR, CFO, and our President to change plans?
But, yes, the above response is great - you don't have to worry too much about any bonds at your age.