So I am here looking for investment advice from my work 401k options. I can choose from the below options and/or a pre-mixed portfolio with targeted retirement date funds, from 2010 to 2055. This means I can choose what percentage to invest into each category. For an example I could choose to have 20% invested in the targeted retirement date fund and of various percentages in the below options. I did attached the PDF of my targeted retirement fund.
When I first start at the beginning of this year I simply chose the 2050 target fund as it is mainly invested in index funds, its simple and will re-invest in more stable funds later on.
I am here for the long-term as I have about 10-15 years until I am retired (I'm young early in my career and a new mustachian). So I feel stocks seem best since I can withstand the volatility and I am investing for the long-term. But should I simply stay where I am in the targeted retirement funds or maybe go a high percentage invested in the S&P 500 fund below, and a little elsewhere; or something completely different? Thanks!
Stable Value Fund
Total Expense Ratio 0.3732%
The Fund seeks preservation of principal and to provide interest income reasonably obtained under prevailing market conditions and rates, consistent with seeking to maintain required liquidity. It is designed for investors who seek little fluctuation in the value of their invested principal and low level of overall risk.
Intermediate Term Bond - Bond Fund
Net Expense Ratio 0.09%
The Fund seeks an investment return that approximates as closely as practicable, before expenses, the performance of the Barclays U.S. Aggregate Bond Index (the "Index") over the long term.
S&P 500 Fund
Net Expense Ratio 0.06%
The Fund seeks an investment return that approximates as closely as practicable, before expenses, the performance of the S&P 500 (the "Index") over the long term.
Real Asset Fund
Net Expense Ratio 0.17%
The Fund seeks to approximate its custom benchmark, which is comprised of 20% Bloomberg Roll Select Commodity Index, 35% FTSE EPRA/NAREIT Developed Liquid Index, 45% Barclays U.S. Treasury Inflation Protected Securities Index.
Mid Cap Fund
Net Expense Ratio 0.08%
The Fund seeks an investment return that approximates as closely as practicable, before expenses, the performance of the S&P MidCap 400 Index & trade; (the "Index") over the long term.
Russell 2000 Fund
Net Expense Ratio 0.09%
The Fund seeks an investment return that approximates as closely as practicable, before expenses, the performance of the Russell 2000 Index (the "Index") over the long term.
International Equity Fund
Emerging Markets Fund
Net Expense Ratio 0.19%
The Fund seeks to approximate the risk and return characteristics of the MSCI Emerging Markets (MSCI EM) Index. This Index is commonly used to represent the large and medium cap segment of the equity emerging markets.