conversation: User (TayTaySwift1234): "Hello all,\n\nI am at a total lost and uneducated in how to invest my 401k.  Currently, I am contributing 6% of my salary to my 401k because my employer does a 1:1 match up to 6% of my salary.  So I just thought maxing that out would be a good idea.  When I look into my current investments, I noticed that it is a very aggressive investment.  All my investments are actually are in all stocks.  But right now I am not doing that bad, as I have made a rate of return of 7.65% from Jan. 2016 to Oct. 2016.  I am currently 26 years old and I guess my plan target age to retire is 65, so I know I should be aggressive, but I am at a lost of how aggressive I should be in order to meet my retirement goals.  So I do not know how or what to invest my 401k in.\n\nMy current company actually has a really negotiated rate where a professional investment company will manage my 401k at 0.6% per quarter.  I am not sure if this is a good deal or not, but should I consider this?  \n\nThe market rate that they have is 1.7%, but through my employer it is 0.6%.  It is through Aon Hewitt Financial Advisors.  Has anyone have any experience with them?  Are they happy with them?  Should I just learn how to do it myself?\n\nThanks"
  Self: "0.6% isn't that great of a rate. What are your other options for fund selection?"
  User (TayTaySwift1234): "Oh ok, if not then I won't consider using it then.\n\nSome of my options include like Assets, stock (growth/income), stock (growth), and international stocks (growth).  I recently changed it to be more diversified, but there are the fund selection that I can think of at the top of my head."
  Self: "Probably the two most important factors when deciding on a fund are asset allocation and cost. Active management doesn't really beat out an index fund all that often and it costs more. At 26 years old you'll probably want to be in mostly or all stocks (80-100%) and just see what the lowest expense ratio funds are."
  