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Do there are a few things to consider. 1) Active vs Passive fund - the active fund (in guessing since I don't know the funds prospectus) will seek to go above the market return vs passive just tried to index the market. Most research suggest that after fees and taxes active funds will underperform the market over time. 2) asset allocation - different assets have different risk/reward. Equities/stocks funds are more risky but have higher returns, where bond funds are less risky but have lower returns. As you get closer to retirement the you generally want shift your assets towards less risky assets. The target date fund (which is passive) automatically adjusts this for you.
Youre not alone OP a lot of people go through the same questions. I'd take a look a book called the "investment answer" by Daniel Goldie. It does a good job of explaining everything in an accessible manner.
One is an actively managed large cap fund. The other is a target date fund which includes large caps, mid caps, small caps, and bonds. One has a higher fee and higher expected return
I am not very familiar with stocks but i did a twenty percent in blue chip, a 70
Percent in vanguard and 10 percent in dodge and cox. Does that sound alright? Or do I stand to lose money here. account is barely a year old so just looking to maximize returns
So much to learn
Thanks d1.i ll look into it
Read if you can by William Bernstein first. It's the most concise investing advice I've seen for 20 somethings and you can get through it in an hour. https://www.etf.com/docs/IfYouCan.pdf