<prompt> Human: This is the first time Ive had a job that is offering a 401k, so I am starting from 0. Im going to be putting in 5 of my paycheck to begin with until I see how it affects my financial situation. I was thinking about choosing a model plan that is fairly aggressive 30 bonds, 70 stocks, but I dont know if that is a good move. Is there such a thing as too risky when Im first starting out, or should I lean more toward safe bets?  <response>: At 27 you should be aggressive with your retirement investments because theyre long term investments with a lot of time to smooth out.Regarding the 5 to see how it affects your financial situation - try making a budget. Youll see better then and you might be able to contribute more or you may have to contribute less. 