beachgirl2011,The expense ratios and whether the funds are managed or passive are important. I think in your list, you should put a significant portion in the Vanguard total stock market fund. This is low expense and passive. I would elect at least 40%.You should have some international exposure also. You have only one choice in your 401k, the Fidelity diversified international. It is a managed fund unfortunately. Fortunately, it is a very good fund. I held it for many years. I would still be in it but rolled over my funds to a new employer and am now in Harbor international instead, which is also managed. Everything points to the US no longer being the #1 world economy fairly soon. I have had 40 to 50% international exposure for many years in my 401k for that reason. Most people have less, 20 to 30%.You didn't put the ticker for fidelity real estate. Is it FRESX ? 50% exposure is definitely way too high. I do think real estate will pick up though. If you have been holding for a while and still have a profit in the fund, you may want to take some profits now and reduce the exposure to about 20%. If not, reduce a it gradually and exchange it for other funds as it picks up.
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