Retirement for the 20-something saver

Question: My wife and I are 27 years old and have contributed to a Roth IRA the past two years. Our money is in a 2040 target-date retirement fund that has about 90% of its assets invested in stocks and the rest in bonds and money-market funds. Should we continue to contribute the maximum to our Roth IRA whether that is our only retirement vehicle? And is a portfolio mix of 90% stocks and 10% bonds and cash right for that volatile market? ?Joe, Lancaster, Ohio

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