First off I was wondering if the fees people refer to with 401ks are assessed by the individual companies through which the 401k is through? Or is it from the stocks you purchase? The next is how would you distribute your funding.
ajachim, welcome to the forum.
There are (at least) two types of 401k fees.
One is an administrative charge for having a 401k account at all. This is usually in the range $0 to $50/yr (yes, sometimes $0 to you if your employer pays it).
The other is a fee specific to the individual fund(s) you choose. These should be displayed somewhere in the information given (or available) to you about your 401k plan.
If, as is usually the case, the Vanguard funds have the lowest fees, you could so something such as
Vanguard Total Intl Stock Indx - 30%
Vanguard Total Stk Mkt Index I - 60%
Vanguard Total Bd Mkt Idx I - 10%
Other allocations are also defensible. See
http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy and
http://www.bogleheads.org/wiki/Asset_allocation and
http://www.bogleheads.org/wiki/Three-fund_portfolio.
