<prompt> Human: Ive spent the majority of the past five years or so paying off student loans and have recently started a new job that offers a 401k plan. For my age, I know that Im relatively late to the game. However, in my opinion, it just felt better to become debt free before saving for retirement and a house.Currently, I am contributing 15 includes 4 company match of my pretax income towards my 401k. In a few months, I hope to bump this up to 22. I will also be making the maximum HSA contribution next year 6900family.I know these types of questions for recommendations are like asking what kind of oil is best for your car, but for someone like myself with little to no retirement savings as of right now, what is a good asset allocation for retirement? I currently have 602515 allocated to Vanguard 500 index fund, Vanguard Small Cap, and Harbor International Investor HIINX, respectively. All stocks at the moment, but was considering an 8020 stockbond AA.Any tips would be greatly appreciated. Im hoping for a retirement year of 2045-2050.The investment options available to me are: Wells Fargo Stable Return Fund N25 8PIMCO Total Return Fund Inst Vanguard Inflation-Protected Secs Adm BlackRock Global Allocation Inst Wells Fargo Target 2010 R4 Wells Fargo Target 2020 R4 Wells Fargo Target 2030 R4 Wells Fargo Target 2040 R4 Wells Fargo Target 2050 R4 Wells Fargo Target 2060 R4 Artisan Mid Cap Value Inv AMG TimesSquare Mid Cap Growth Fund Z BlackRock Equity Dividend Inst Goldman Sachs Small Cap Value Inst Harbor Capital Appreciation Instl Prudential Jennison Small Company Z Vanguard Mid Cap Index Admiral Vanguard Small-Cap Index Admiral Vanguard 500 Index Fund Admiral American Funds EuroPacific Growth R4 Harbor International Investor  <response>: Target date for 2050, 55, 60 or 65. 