Welcome, Krampus!! Lots to read for someone just coming on. I actually applaud your staying in a Lifecycle fund, instead of leaving it in G Fund. Next question is have you been contributing at least 5%. Even better if you have been consistently HIGHER than 5%!!
All the premiums are good in their own ways. I would recommend Intrepid Timer, but that's just me.
Make sure you put in your own Account Talk, and sign up for the Autotracker if you are so inclined (they are free, and just for fun. But it is a good way to see how you are doing compared to everyone else....and there ARE prizes!).
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