Asset allocation (what portion of your money is in stocks and bonds) is very important, depends on your age, and will get out of whack unless you rebalance. So use a Vanguard Target Retirement Date fund.
what portion of your money is in stocks and bonds
There are more financial assets than just stocks and bonds.
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
Notes for future OT posters:
1. Please add the 'open_thread' tag.
2. Check if there is an active Open Thread before posting a new one. (Immediately before; refresh the list-of-threads page before posting.)
3. Open Threads should be posted in Discussion, and not Main.
4. Open Threads should start on Monday, and end on Sunday.