Current 401k asset allocation is around 54% domestic stock, 35% foreign stock, and 11% other. Should I change the allocation to more index/mutual funds? Currently 24 and on Vanguard target 2060 plan.

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100% in the s&p 500 index option for now. 0.015% expenses ratio cannot be beat. Come back and challenge your allocation when you are in your 40s.

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I am always a fan of the S&P500 index. Efficient-market theory says in the long-run you can’t “beat the market.” In a 401k the money is just sitting there anyways.

Apparently this attitude is creating the next bubble

My own personal mix is 65% domestic stock, 25% int'l stock, and 10% domestic bonds. Each are total funds

I’m also 24 and have 40% s&p , 20% small cap , 20% mid cap and 20% int’l.. it’s an aggressive allocation but I figure we’re young enough to deal with the volatility of the market

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