PwCers with the firm 401k - I don't know how I should allocate my funds. For example the index funds - which year 2015-2060? What about tier 2 or tier 3 options? Help please!

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The year you plan on retiring

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If you're an employee, your funds remain in the 401(k). Only specific reasons are permitted for withdrawal - by law - and wanting an outside firm to manage the funds is not one of those reasons.

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Check the fees gofor the funds with the lowest fees

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If you don't want to think about it, just allocate everything to a target date retirement fund of the year you approximately plan to retire. It is diversified and will auto-rebalance as you get closer to retirement.

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Any PwC fish give insight the the additional Wealth Builder? Recently joined and am confused by it. If I contribute to that as well, is it also untouchable until retirement?

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You don't contribute to Wealth Builder, it's a quasi-pension/profit sharing that PwC contributes to

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Read the reports and pick what types of risk/rewards work best for you. Look at the trends from previous quarter

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You pick a target retirement date fund if you don't know what you're doing or consider a mix of the other funds if you do. Since you're in the former category, do what D1 says.

Should I just move my entire fund to betterment or something? Feel like I'm too uninformed to make these choices

Technically we aren't allowed to use Betterment or Wealthfront. Which by the way is a silly rule

S1 - I thought we can use betterment and wealthfront? I've not used them, but had a principal recommend it saying they used it

You can't do anything but the funds in your account while still employed - no Betterment, Wealthfront, Fidelity, or anything else.

The further in the future, the lower the expected risk AND return.

I.e can expect target date fund 2050 to have smaller returns then 2030

It's actually the opposite. A 2060 target date fund invests more aggressively than a 2050 because the time horizon allows you to ride out the dips better. If you invest all along drops are good because you're buying at a discount, just like filling up your car with gas...See "dollar cost averaging".

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