I took a step today in my 2012 goal of growing up financially! Ifinally took advantage of my employer's retirement program and opened an account! Better a little late then never right? Sucks that I've missed out on 2 years worth of savings there but at least I'm not missing out anymore! My question is this, now that I have it opened, what do I do with it?? There are so many options and I was so overwhelmed by the different places in which to invest my money that I just picked one and thought I'd do some research and change it later if needed. The financial guy that helped me set everything up said that since I don't know anything about investing, that rather then picking my percentages of where to allocate my investments myself, that it was better to pick one of these 4 asset allocation models based on your projected year of retirement. Was that a good idea? I don't know anything at all about the stock market or investing or what all the different terms mean. Does any one have any good books to read or websites that have good information for beginners, or even just some advice from those more experienced than I??