<prompt> Human: I am 29 years old. Currently have around 44k in there...Any advice would be appreciated. I have been chasing the performance ratings on morning star and trying to keep a low pe ratio but I seriously am not sure what Im doing. I was thinking about changing my future elections to go into different funds. I have had the account for 6 years and I contribute enough to get the max employer match. they match 75 of 6 of my incomeCharles Schwab 401k account picks: expense RatioALLIANCEBERN INTL VAL K--- 1.30FEDERATED TTL RET BD LSVC--- 0.65 JHANCOCK2 LIFESTYLE AGG R4--- 1.41JHANCOCK2 LIFESTYLE BALANCEDR4--- -1.20JHANCOCK2 LIFESTYLE CONSV R4--- --- 1.23JHANCOCK2 LIFESTYLE GROWTH R4 --- 1.28 JHANCOCK2 LIFESTYLE MOD R4--- 1.23 BLACKROCK EQUITY DIV L--- --- 0.72METRO WEST H-YLD BOND M--- --- 0.80 COLUMBIA SMALL CAP VALUE II Z--- 1.04THORNBURG INTL VALUE R5--- 0.96 SCHWAB RETIREMENT ADV MONEY--- 0.24DODGE COX BALANCED--- - 0.53THE DELAFIELD FUND--- 1.20DODGE COX STOCK--- --- --- 0.52AMER FUNDS GR FUND OF AMER R3 --- 0.98RAINIER SMALLMID CAP EQUITY--- 1.32SCHWAB SP 500 INDEX--- 0.09BARON GROWTH RETAIL --- 1.30 FIRST AMER REAL ESTATE SECS Y --- 1 AMER FUNDS EUROPACIFIC GR R3 --- 1.14---Here is how I currently have it allocatedALLIANCEBERN INTL VAL K--- -- 0.00FEDERATED TTL RET BD LSVC --- 0.00JHANCOCK2 LIFESTYLE AGG R4 --- 0.00JHANCOCK2 LIFESTYLE BALANCEDR4--- --- 0.00JHANCOCK2 LIFESTYLE CONSV R4--- 0.00JHANCOCK2 LIFESTYLE GROWTH R4--- --- 0.00JHANCOCK2 LIFESTYLE MOD R4--- --- 0.00BLACKROCK EQUITY DIV L--- --- 0.00METRO WEST H-YLD BOND M--- --- 0.00COLUMBIA SMALL CAP VALUE II Z--- 10.00 currentTHORNBURG INTL VALUE R5--- --- 0.00SCHWAB RETIREMENT ADV MONEY--- 0.00DODGE COX BALANCED--- --- 30.00 currentTHE DELAFIELD FUND--- 0.00DODGE COX STOCK--- --- --- 30.00 currentAMER FUNDS GR FUND OF AMER R3--- --- 0.00RAINIER SMALLMID CAP EQUITY--- --- 0.00SCHWAB SP 500 INDEX--- --- 30.00 currentBARON GROWTH RETAIL --- --- 0.00FIRST AMER REAL ESTATE SECS Y--- 0.00 AMER FUNDS EUROPACIFIC GR R3 --- 0.00 I want to make wise decisions in my future elections, and thats where Im asking for help.Thank you.  <response>: Oh the horror!100 Schwab sp 500.Hold bonds, midsmall cap, and international in an ira according to your desired investment allocation. Lobby your employer for much better fund options. 