<prompt> Human: Hello!Im new to investing and was hoping to tap PFs experience when thinking about how to allocate my money currently in my 401k.I have around 18K and im 34 years old, a bit behind on my 401k contributions. My employer matches 50 cents for every dollar i put into the 401k up to 6.My 401k is set up through Mercer and as of now i have 100 of my money allocated to a ready mixed portfolio, Vanguard WellingtionVWELX, Expense Ratio 0.26 it doesnt look like i have too many Vanguard options available. Here is a list of what i can select if i choose to mix my own portfolio. Any advise would be much appreciated! Would you all suggest mixing my own portfolio or keeping 100 of my current contributions on the ready mixed portfolioVanguard Wellington, VWELX?GLOBALINTERNATIONAL AMERICAN CAPITAL WORLD GI R6 RWIGX, Expense Ratio 0.45 EUROPACIFIC GROWTH FUND R-6 RERGX, Expense Ratio 0.50 VAN INTL STOCK IDX SIG SHARES VTSGX, Expense Ratio 0.14SMALL-CAP DOMESTIC EQUITY PENNSYLVANIA MUTUAL FUND PENNX, Expense Ratio 0.90MID-CAP DOMESTIC EQUITY NEUBERGER BERMAN MDCP GR INS NBMLX, Expense Ratio 0.79 VANGUARD EXTEND MKT INDX SIGNL VEMSX, Expense Ratio 0.10LARGEMULTICAP DOMESTIC EQUITY JPMORGAN MID CAP VAL FD CL I FLMVX, Expense Ratio 0.99 MAAY LARGE CAP GROWTH FD I MLAIX, Expense Ratio 0.77 VANGUARD EQUITY INCOME INV VEIPX, Expense Ratio 0.30 VANGUARD ITUTIONAL INDEX VINIX, Expense Ratio 0.04 VANGUARD PRIME CAP VPMCX, Expense Ratio 0.45INCOMEBOND PIMCO REAL RETURN FUND PRRIX, Expense Ratio 0.48 PIMCO TTL RETURN ITUTIONAL PTTRX, Expense Ratio 0.46 VANGUARD INTERMD BND INDX SGNL VIBSX, Expense Ratio 0.10CAPITAL PRESERVATION FEDERATED GOVT OBLIGATIONS IS GOIXX, Expense Ratio 0.28 MORLEY STABLE VALUE FD NET 20 NA, Expense Ratio 0.51MIXED ASSET T ROWE PRICE RETIREMENT 2005 TRRFX, Expense Ratio 0.59 T ROWE PRICE RETIREMENT 2010 TRRAX, Expense Ratio 0.60 T ROWE PRICE RETIREMENT 2015 TRRGX, Expense Ratio 0.65 T ROWE PRICE RETIREMENT 2020 TRRBX, Expense Ratio 0.69 T ROWE PRICE RETIREMENT 2025 TRRHX, Expense Ratio 0.72 T ROWE PRICE RETIREMENT 2030 TRRCX, Expense Ratio 0.75 T ROWE PRICE RETIREMENT 2035 TRRJX, Expense Ratio 0.77 T ROWE PRICE RETIREMENT 2040 TRRDX, Expense Ratio 0.78 T ROWE PRICE RETIREMENT 2045 TRRKX, Expense Ratio 0.78 T ROWE PRICE RETIREMENT 2050 TRRMX, Expense Ratio 0.78 T ROWE PRICE RETIREMENT 2055TRRNX, Expense Ratio 0.78 T ROWE PRICE RETIREMENT INCOME TRRIX, Expense Ratio 0.57 VANGUARD WELLINGTON VWELX, Expense Ratio 0.26  <response>: You actually have all the options you need to form a solid Three-Fund Portfolio though in your case youll need to use four funds.Use a combination of Vanguard Institutional Index and Vanguard Extended Market Index to form your US equity portion of your portfolio, and use the Vanguard International Index and Vanguard Intermediate Bond Index to form your international and bond portions respectively. 