Please make a recommendation from one of the 4 options below. Recommend what you feel is the best option for their 401(k) allocation. Support your recommendation.

Option 1: Vanguard S&P 500

Option 2: Vanguard Target Retirement 2045

Option 3:

10% Vanguard 500 Index

10% Vanguard Value Index

10% Vanguard Small Cap Index

10% Vanguard Small Cap Value Index

10% Vanguard REIT Index

10% Vanguard Total International Index

40% Vanguard Total Bond Market Index

Option 4:

54% Vanguard Total Stock Market Index Fund

27% Vanguard Total International Stock Index Fund

6% Vanguard REIT Index Fund 3% Precious Metals

3% Precious Metals

10% Total Bond Market Index Fund