Target date funds are least bad...if they are composed of ETFs. It isn't worth looking at individual stocks. If you want another layer of diversification: add a

Target date funds are least bad...if they are composed of ETFs. It isn't worth looking at individual stocks. If you want another layer of diversification: add a different asset class (for example, more bonds), or add more geographical exposure. This isn't advice of course, so be careful to understand how any change has impacted performance in the past (it isn't always a good guide but it is better than nothing).