So I'm trying to figure out my company 401k. The company offers a lot of proprietary funds (no tickers, lower expense ratios). Right now I have my money in something called an Aggressive Life Strategy Fund, which has an ER of .10 and looks like this:
46% Total Stock Market Index Fund (.03 ER)
20% Total Int'l Stock Market Index Fund (.10 ER)
8% Total Bond Market Fund (.05 ER)
2% High Yield & Emerging Markets Bond Funds (.42 ER)
7% Real Estate Investment Trust Index Fund (.13 ER)
3% Int'l Real Estate Index Fund (.24 ER)
4% Commodities Fund
10% Balanced Exposure Fund
I can buy the above funds that have ERs listed individually instead, and in different ratios, and it seems like that might be the better way to go. I'm not sure how to balance it all though, or if I should do something different than this fund does for me.
Also to make sure these proprietary funds are on the up and up, this is the make-up of the Total Stock Market Index Fund:
18.2% Information Technology
11.5% Industrials
12.9% Health care
17.2% Financials
10.0% Energy
8.2% Consumer Staples
12.6% Consumer Discretionary
3.2% Utilities
2.2% Telecommunication Services
3.9% Materials
Does this look good? Should I stick with the "Aggressive Life Strategy" or make up my own balance?
For reference, I'm 26 years old, just started at the company so only a couple thousand put away here so far, but I am planning on maxing it out every year from here on out until FIRE, which I am hoping will be about 10 years from now.