<prompt> Human: Hey PF!I want to start with saying that as a year long lurker of this subreddit I want to thank everyone who contributes to this community. When I received my first realjob paycheck a year ago with wideeyes I looked for guidance and found this awesome place. PF has been instrumental in developing a more mature outlook of my finances and gave me the tools and information I needed to reach some of my financial goals in the past year and for many years to come!This is however, another how is my 401k allocation thread. So if you are sick of these Ill understand if you stop here!Background:- 23 years old- Currently making 52k.- Just became eligible to contribute to my 401k.- Will be contributing 20 of my gross income starting next paycheck.- Will also be maxing out a Roth IRA through vanguard.- Only debt is 36k in federal student loans 6.8- I have a 6k emergency fund in a savings account. Thanks PF!- I paid cash for my car. Thanks again PF!Questions:The 20 10,400 annually I am contributing to my 401k will be split up as follows:- 80 52 of annual investments Principal Global Investors LargeCap SP 500 Index 0.53 ER- 8 5 of annual investments Principal Global Investors MidCap SP 400 Index 0.53 ER- 12 8 of annual investments Principal Global Investors SmallCap SP 600 Index 0.53 ERFor the Roth IRA 5500 annually I was looking at VASIX or VSCGX. These are 40stocks60bonds and 20s80b respectively. I am leaning more towards bonds because I would like to keep about half of what I currently have in savings for an eFund and keep the rest in one of these liquid Roth IRAs so that I still have access to it if I really need it, otherwise it will be growing and will help to diversify my overall portfolio.What do you guys think about the above asset allocations?These investments leave me around 600 monthly to put towards my student loans. This will have me with paying off my student loans in 6 years. My reasoning behind putting more towards retirement than paying down my student loans is as follows:- I will not be able to contribute in the future what I wish I had contributed now because of the annual contribution caps.- The amount saved in interest by quickly paying down the loan is nothing compared to the compound interest I could earn by not waiting to contribute to retirement accounts.Am I missing anything major in this reasoning? I feel like it comes down to if you want relatively small short term gains saved interest on student loans or much larger longterm gains compound interest on retirement accounts.This leaves plenty of leftover loot 1300ish for expenses and the occasional extra student loan payment or evil consumer purchase.If you made it this far, then thank you for your time!Edit:Formatting  <response>: The amount saved in interest by quickly paying down the loan is nothing compared to the compound interest I could earn by not waiting to contribute to retirement accounts.You are actually wrong on that. You are losing a lifetime of gains on the money you could be investing, but are instead wasting on interest. Each loan payment you make, that is a guaranteed 6.8 return on your money, because those dollars are no longer accruing interest. 