I agree with Cromacster about not needing to satisfy the 80/20 AA all in your 401k. That being said, if there's one thing I would add to the thread it's that you may want to consider adding in some international diversification. Most adherents to the Modern Portfolio Theory would advocate somewhere around 30-40% of your portfolio be international, or roughly half of the equity portion. Of this 30-40%, shoot for 70-80% developed and 20-30% emerging markets. Again, these are just ballparks. Given that you only have 3 options here, your best bet looks like the American Funds EuroPac Growth R6. It comes pretty close to this at 83% developed and 17% emerging. It also has the lowest expense ratio of the three (.50%) and a solid track record (which I know doesn't mean much). As a Mustachian, I'm sure you can find better int'l funds with far lower fee structure outside the 401k, but bear in mind int'l funds do tend to have higher exp ratios than domestic funds. 0.50% isn't the worst I've seen by a long shot. I guess the final point to make would be, don't be penny-wise pound-foolish on your AA. Getting the AA correct is, generally speaking, far more important and indicative of your overall returns than a few basis points on the exp ratio.