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My partner's job just started a 401k mutual fund plan (matching 20%). Because we're 30+ years from retirement, things I've read say we should be in an "agressive" fund. I think I'm willing to do that.

I have about 10 fund options to choose from. Four of them have over 90% in stocks and the rest in cash. These funds claim they have "low risk" or "moderate risk" investment styles. Does this mean they are not considered "agressive"?

I think I'm missing something here.

The others are money market, bond, or balanced among stocks/bonds/cash, ranging from "low" to "high risk" investment styles.

No index fund is available.

Should we go for one of the 90% stock funds? (Smart Money gives them "B"s & "C"s). Or choose one of the more balanced funds (Smart Money graded one an "A"). I guess my question is: what's considered agressive? (And, should we be doing that?)

Our only other investment is my 403b fixed annuity with ~$10,000 already in it; $50 is added each month.

Any thoughts on how to chose will be greatly appreciated. TIA.

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