Fidelty 401k funds, which do I choose.

J

jtnet

New HIRE at a company and they match 401K, i know how to trade short term, but this long term stuff I have no idea. They will not match unless I choose one of or a % of each below. I am in my 20s. Which ones should I choose for value and to avoid being raped by fees?

FUNDS
PYR ACT LFC 2000 F

PYR ACT LFC 2005 F

PYR ACT LFC 2010 F

PYR ACT LFC 2015 F

PYR ACT LFC 2020 F

PYR ACT LFC 2025 F

PYR ACT LFC 2030 F

PYR ACT LFC 2035 F

PYR ACT LFC 2040 F

PYR ACT LFC 2045 F

PYR ACT LFC 2050 F

PYR ACT LFC 2055 F
Inception Date N/A

PATHWAY 2 - CORE FUNDS
Stock Investments
Large Cap Growth
FID CONTRAFUND K

FID GROWTH CO K

Large Cap Blend
NB SOCIALLY RESP I

SSGA LG CAP INDEX

Large Cap Value
LSV LGE CP VALUE EQ

Mid-Cap Blend
FID LOW PRICED STK K

ARIEL FUND

Small Cap Growth
FRONTIER SM CAP GR

Small Cap Blend
PYR SM CP CORE POOL

SSGA MID/SMALL INDEX

Foreign
FID DIVERSIFD INTL K

SSGA INTL INDEX

Bond Investments
High Quality
PIMCO CORE PLUS BOND

Stable Value
INCOME FUND

Real Return Bond
PIMCO REAL RETURN


PATHWAY 2 - SPECIALTY FUNDS
Stock Investments
Small Cap Blend
SSGA EMRG MKTS INDEX

Real Estate
SSGA REIT INDEX

Emerging Markets Eq
CAP GUARD EMRG MKT T

Bond Investments
High-Yield
NB HIGH INC BOND IS

Emerging Markets
FID NEW MARKETS INC
 
If you are going to set it and forget it, just build a nice balanced portfolio of funds. Check out the funds fees online as well.

Fidelity also should at least have an 800# you can call to get some ideas as well. You don't have to follow their advice, but at least see what they recommend. There could also be a local broker/office you could contact. They are getting paid handsomely for that, you might as well use it.

Make sure to 'xray' the funds to be sure you don't have a ton of overlap. In other words, you don't want to be diversified in 5 funds only to find out the funds all own the same basic stocks.
 
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