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I would encourage you to spend some quality time reading the MF's basic, background. Maybe even read one of their early books, and some books by others that they recommend. (Their early books are somewhat old, but the basic principles hold true.) It sounds like you're interested in doing that type of thing, so it will be easy -- especially since the Gardners write in a fun, easy style.

It seems that you don't yet have a complete handle on the basics of investing. The choices you make today for your 401k allocations won't matter much -- you can readjust after you've learned more. That fact that you're learning so early in your professional career, however, will pay huge benefits years from now when you're set to retire. 20-30+ years of informed investing can pay off huge!

If your plan has 25 Fidelity options, I'm sure that there are a number of them that fit will with the MF strategy advice. You just need to do some more reading to understand it all and tailor that strategy to what you're comfortable with.

All best!
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