I concur with Curt.
Target Date Funds are designed to be more aggressive in the earlier years, and gradually become more conservative over time. So in affect, Target Date Funds decide the level of risk tolerance for you.
You're most likely in the 15% marginal tax rate, so a Roth could be a good option for you. If you suspect that your tax rate will be higher in retirement then Roth's are usually a good idea.
Check and see if your 401(k)
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