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Roth IRA all in one fund, or not? [duplicate]
In your case, you could very well leave it in something like FFFFX, which for readers is a self balancing fund with a target retirement date of 2040.  These funds are a conglomeration of other funds that tend to move more conservatively as time passes. However, I like to put no more than 10% of my portfolio in one fund with exceptions made for balances less than 20K.   So If I had 18K it really wouldn't matter if it was in FUSEX a S&P 500 index fund.  However by investing in FFFFX you pretty much meet that requirement.    So you are golden if that fund meets your goals.  For me, I kind of hate bonds and despite being of similar age, I have almost no money invested in bonds.