[JohnMitchel]

When do you plan on taking the money out? If the answer is "when you retire" then put as much into your company's 401K as they'll match and put the rest in a couple of high-yield index funds (I use Vanguard), then ignore it for twenty to forty years (other than to put in more money once a month or once a year or whatever). If the answer is "in a couple of years" (e.g. if you're planning on buying a house) then switch to lower-but-more-consistent-yield funds. If the answer is "in less than a year" then use a dartboard.