I think he's asking more about which funds, but coincidentally I have 401ks at the same 3 places. Everything is going towards a target date fund in vanguard wi

I think he's asking more about which funds, but coincidentally I have 401ks at the same 3 places. Everything is going towards a target date fund in vanguard with a low expense ratio. This should manage the risk for me. I am also contributing pre tax, since I expect to be in a lower tax bracket when I retire. Oh also, I plan to eventually transfer the other two accounts into my current vanguard 401k. This is different from rolling over into an IRA. I think 401k is better since it has more legal protections