<prompt> Human: First, Id like to give a shout out to this subreddit for already helping me get up to speed after graduating college this past May.I just turned 24 and am willing to accept a large amount of risk in hopes of higher returns over the long term. I have a few questions regarding my overall asset allocation, available funds in my 401k and their associated fees, and my companys recent addition of a Roth 401k.Heres a breakdown of my current assets:Checking: 7kSavings: 12.5kRoth IRA TD Am. - 11.5k AOAiShares SP Aggressive Allocation25.62 EWLiShares MSCI Switzerland Capped 11.93 IYKiShares US Consumer Goods22.26 VIGVanguard Dividend Appreciation23.34 VTIVanguard Total Stock Market10.97Taxable TD Am. - 19.9kMostly tech, energy, blue chip stocks AAPL, GMCR, TSLA, CQP, DAL, HIMX, MANH, OPEN, etc Sort of play money that I opened while I was co-oping and making much more money than I ever had before. Scholarships covered tuitionliving expenses so I had extra money and wanted to learn more about the stock market. This has grown nicely over the last 2 years.401k - 5kCategory Fund Invst Manager or Sub-Advisor Expenses------------Short-Term Fixed Income Principal Stable Value Fund Morley Financial Services, Inc 0.87 Fixed Income Fidelity Advisor Govt Income T Fund Fidelity Management Research 0.75 Western Assest Core Plus Bond I Fund Western Asset Management Co 0.46BalancedAsset Allocation American Funds American Balanced R3 Capital Research and Mgmt Co 0.95 Principal Lifetime Strategic Income Multiple Sub-Advisors 0.79 Principal Lifetime 2010 Separate Account Multiple Sub-Advisors 0.83 Principal Lifetime 2015 Separate Account Multiple Sub-Advisors 0.86 Principal Lifetime 2020 Separate Account Multiple Sub-Advisors 0.88 Principal Lifetime 2025 Separate Account Multiple Sub-Advisors 0.9 Principal Lifetime 2030 Separate Account Multiple Sub-Advisors 0.92 Principal Lifetime 2035 Separate Account Multiple Sub-Advisors 0.93 Principal Lifetime 2040 Separate Account Multiple Sub-Advisors 0.94 Principal Lifetime 2045 Separate Account Multiple Sub-Advisors 0.95 Principal Lifetime 2050 Separate Account Multiple Sub-Advisors 0.9541 Principal Lifetime 2055 Separate Account Multiple Sub-Advisors 1.01 Principal Lifetime 2060 Separate Account Multiple Sub-Advisors 3.09Large U.S. Equity LargeCap Growth II Separate CenturyMontag Caldwell 1.04 American Funds Fundamental Investors Capital Research and Mgmt 0.66 MFS Value R3 Fund MFS Investment Management 0.9359 LargeCap SP 500 Index Separate Account Principal Global Investors 0.31SmallMid U.S. Equity American Century Heritage Inv Fund American Century Inv Mgmt 1.01 Columbia MidCap Value A Fund Columbia Management Advisors 1.2 Columbia SmallCap Value II A Fund Columbia Management Advisors 1.32 MFS New Discovery R3 Fund MFS Investment Management 1.35 Nuveen Real Estate Securities A Nuveen Asset Management 1.28 Nuveen Small Cap Value A Fund Nuveen Asset Management 1.57 MidCap Separate Account Principal Global Investors 0.81International Equity MFS International New Discovery R3 Fund MFS Investment Mgmt 1.39 Diversified International Separate Account Principal Global Investors 1.06Im currently contributing 9 to my 401k and my employer does not offer a match sidenote: starting in July, I will start receiving shares of my firm as part of the Employee Stock Ownership Plan. For the first few months after starting, all of my contributions were going towards the Lifetime 2055 plan. After reading through this subreddit, I wanted to lower the fee and have been contributing everything to the LargeCap SP 500 fund which is now 59 of the portfolio. Question 1: As stated before, I know that I am extremely US stock heavy given the taxable account, IRA, and 401k. Since Im young and willing to take risk, is this ok? Or is it so extreme that I should consider buying bonds which I know very little about or something else? Question 2: Should I contribute to the Roth 401k? I know the limit for both 401ks combined is 17,500 and Im only currently contributing 6500 into the regular, but the thought of not being able to touch that money for 40 years is hard to grasp. At this point I feel like saving for a down payment on a housecar may be more appropriate? Question 3: I now realize that the available funds for my 401k are pretty crappy. What do you suggest are the best to contribute to? Question 4: Not a huge deal at all, but I previously owned DDD and they did a 3 for 2 split leaving me with .5 shares after later selling my shares. What do I do with this? Ive tried selling it but 1 share is the minimum.I really appreciate any input you have. I know that young engineers are common to reddit and I have certainly benefited from posts like this in the past. Thank you in advance!EDIT: formatting. Also: I rent, no auto loan, no student loads, 4 credit cards that I pay off monthly trying to maximize cash backAssistant: 40K in assets at 24. Any reason why real estate isnt in your portfolio?Human: Why is the default that he should have real estate? There are a lot of reasons to not own real estate.Assistant: Such as? Im genuinely curious  <response>: Everyone has their own reasons.For me, the main reason I rent is flexibility to move whenever I want. If I start having kids, I can move up to a bigger space. If I lose my job, I can move down to a smaller space. If I get an offer in another city, I can leave.I currently rent a place that Id never buy because its an impractical house old, overpriced land value, loud neighbors, but its perfect for me right now. 