Hello, I am a total noob at investing. I have read the faqs, how to select investments for your 401k, how to approximate the stock market, etc. but there are still things that go over my head.

Our company is switching to a new 401k provider (Fidelity) and I wanted to take the opportunity to manage my investments more directly in order to increase my returns (so far I have always invested in a target date return fund).

Given [the funds and fees available to me](https://imgur.com/a/AejUFxI), what would be your suggestion in allocation? I am \~20 years from retirement.

Thank you very much.
I'm sorry for any inconvenience, but I'm unable to view links or images directly. So, I can't look at the specific funds and fees available to you. However, I can give you some general advice on how to allocate your 401k investments.

1. **Diversification**: It's important to have a mix of different types of investments in your 401k. This typically includes a mix of stocks and bonds. Stocks have the potential for higher returns but also come with more risk, while bonds are generally more stable but offer lower returns. The right balance depends on your risk tolerance and time until retirement.

2. **Target Date Funds**: If you're unsure about how to allocate your investments, a target date fund can be a good option. These funds automatically adjust the mix of stocks and bonds as you get closer to retirement, becoming more conservative over time.

3. **Fees**: Pay attention to the fees associated with each fund. Even small differences in fees can make a big difference in your returns over time. Look for funds with low expense ratios.

4. **Risk Tolerance**: As you're 20 years away from retirement, you can probably afford to take on a bit more risk for the potential of higher returns. This means you might want to allocate a larger percentage of your 401k to stocks. However, this depends on your personal comfort with risk.

5. **Regular Rebalancing**: Over time, some of your investments will perform better than others, which can throw off your desired allocation. Regularly rebalancing your portfolio can help ensure that you maintain the right mix of investments.

6. **Speak with a Professional**: If you're still unsure about how to allocate your 401k, consider speaking with a financial advisor. They can provide personalized advice based on your specific situation.

Remember, it's always important to do your own research and consider your own personal financial situation and risk tolerance before making investment decisions.
### Human
Hello, I am a total noob at investing. I have read the faqs, how to select investments for your 401k, how to approximate the stock market, etc. but there are still things that go over my head.

Our company is switching to a new 401k provider (Fidelity) and I wanted to take the opportunity to manage my investments more directly in order to increase my returns (so far I have always invested in a target date return fund).

Given [the funds and fees available to me](https://imgur.com/a/AejUFxI), what would be your suggestion in allocation? I am \~20 years from retirement.

Thank you very much.

### Assistant
I'm sorry for any inconvenience, but I'm unable to view links or images directly. So, I can't look at the specific funds and fees available to you. However, I can give you some general advice on how to allocate your 401k investments.

1. **Diversification**: It's important to have a mix of different types of investments in your 401k. This typically includes a mix of stocks and bonds. Stocks have the potential for higher returns but also come with more risk, while bonds are generally more stable but offer lower returns. The right balance depends on your risk tolerance and time until retirement.

2. **Target Date Funds**: If you're unsure about how to allocate your investments, a target date fund can be a good option. These funds automatically adjust the mix of stocks and bonds as you get closer to retirement, becoming more conservative over time.

3. **Fees**: Pay attention to the fees associated with each fund. Even small differences in fees can make a big difference in your returns over time. Look for funds with low expense ratios.

4. **Risk Tolerance**: As you're 20 years away from retirement, you can probably afford to take on a bit more risk for the potential of higher returns. This means you might want to allocate a larger percentage of your 401k to stocks. However, this depends on your personal comfort with risk.

5. **Regular Rebalancing**: Over time, some of your investments will perform better than others, which can throw off your desired allocation. Regularly rebalancing your portfolio can help ensure that you maintain the right mix of investments.

6. **Speak with a Professional**: If you're still unsure about how to allocate your 401k, consider speaking with a financial advisor. They can provide personalized advice based on your specific situation.

Remember, it's always important to do your own research and consider your own personal financial situation and risk tolerance before making investment decisions.<eos_token>