Since these portfolios are made of multiple stocks, does that meet the criteria of a stock mutual fund or is that something else completely?Understand that the Freedom Funds also focus on stocks in their early years. It's just that the fund managers transition from equities to bonds the closer you get to the target date. This is actually desirable, and something you'll want to do to once you get to within 5-10 years of retirement. But yes, a stock mutual fund is a mutual fund that invests in multiple stocks. Also note that the Freedom Fund and OTC K are both mutual funds, not portfolios. The portfolio is the collection of investments in your 401k (you can invest in more than one fund).does the suggestion mean I should spread my money between more than one of these or pick one and the spreading is done within by the holding of stock in multiple companies?By their nature, mutual funds invest in multiple companies so by owning shares of a mutual fund, you own a portion of their ownership of the companies in which the mutual fund is invested. You do not directly own shares of the companies invested in by the fund, but own shares of the fund and the fund owns the companies. The fund managers have voting privileges at each company's annual meeting but you do not. I'm going to go ahead and guess that I don't have access to a stock mutual fund through my 401K.You are making this more complicated than it really is. A stock mutual fund owns shares of companies. With the exception of bond funds, treasury securities and cash funds, etc. all the mutual funds in your 401k will invest in stocks.FuskieWho notes he is not offering you specific investment advice and does not have direct familiarity with the investment options in your company's 401k...
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