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.