All my retirement is currently in vanguard retirement funds (VLXVX), should that change?

All my retirement is currently in vanguard retirement funds (VLXVX), should that change? I'm 28 and all of my retirement savings are in Vanguard retirement funds (VLXVX). I also have a 20k savings acct with 4.6 APY. Should I move some of that around and invest in other things? What would you recommend?
submitted by /u/Otherwise_Put_6798

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