<prompt> Human: So, Im finally in a place in my life where I can start capping out my 401k contribution. Unfortunately that point in my life wasnt until I was 31 years old. Ive been missing 5 to 10 years worth of investments. Up until this point, I only have around 4k sitting around in my two different 401k packages. The default fund Im contributing to is a 2045 retirement portfolio, which is good and all. Ive looked at it and appears to be fairly diversified. I was looking at my options and there are some mid and small cap funds that have a much higher return per year when compared to my 2045 fund, but have dismal long term outlook. Theyre mostly tech stocks and financial institutions. Its more aggressive, but it has substantial short term gains. My plan was to contribute to that fund for a year, then transfer it to my 2045 fund and just continue to do that each year. So, that way, while Im reaching my contribution cap, I can get that money to work a bit more for me in the short turn and in the long run, I can keep it safe. Im sure its a horrible idea, but I just need confirmation of that.  <response>: My plan was to contribute to that fund for a year, then transfer it to my 2045 fund and just continue to do that each year. So, that way, while Im reaching my contribution cap, I can get that money to work a bit more for me in the short turn and in the long run, I can keep it safe.Im sure its a horrible idea, but I just need confirmation of that.Its not necessarily a horrible idea, but what do you really gain from it? Just put it all in the 2045 fund and leave it there. Midsmall cap funds can have losses too, you know. 