"Should you go the target date route? Here are a few factors to consider: Are you comfortable allocating your retirement account from among the other options available in the plan? Are there advice options available to you via your retirement plan? These might include online help, in-person meetings or managed account options. Do you work with a financial adviser on your accounts outside of the plan? If so, the adviser might be in a position to provide advice on your 401(k)."  MORE >>