[USER]

I almost hate to ask because I know what im sharing is vague but if anyone has an opinion, I would appreciate hearing it.

I’m 41 and these are my 401k options.

My company matches 4% and I do max it out at $22k, but with the return I’ve been getting I think I may switch to only contribute the 4% and put the rest in my ETF account.

Could anyone offer a suggestion on getting the max return?

[Mark]

Traditionally all those TDF underperform. Ud be better off mostly fidelity 500 fund.

Then a bit of small cap.

[Neka]

100% fxaix until you get more educated
Which is s&p 500

[Misty]

FXAIX corresponds to S&P 500, so that is what I select. Also, just as an FYI, the max 401k contribution this year is $23,500.

[Al]

100% FXAIX. You can verify this is the best by comparing the 10 year return against all the other options.

[Sam]

70% FXAIX / 20% FSMDX / 10% SWSSX. That should mimic a total market index fund pretty well.

Also, be sure to turn on your rebalance feature for either semiannually or annually.

[Rawee]

You’re just choosing from the bottom from Fidelity, so you want a mix of US markets (large & mid caps), Europe developed, and emerging markets.

I actually do the real-estate index because I don’t have physical real-estate exposure other than RIETs.

Not financial advise, but would do 40 : 20 : 15 : 10 : 15 for whatever 100% of your portfolio mix.

[Author]

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