[tzs]

Vanguard has some nice funds for this for people who just want to invest and forget about it until retirement.

They have one targeting people retiring in 2065 (born 1998-2002), one for 2060 (born 1993-1997), and so on down to one for people who retired in 2015 (born 1949-1952), and one for people who were born before 1949.

Each of these invests in other Vanguard funds. As it gets closer to their target year, they decrease their stock fund holdings and increase their bond fund holdings.

The 2055 one, which would be the one aimed at someone who is currently 30, is 90% stock, 9% bonds. The stock fund portion is split about 60/40 between a Vanguard total US stock market fund and a Vanguard total international stock market fund.