<prompt> Human: Hi, Thanks so much for reading. Ive read a lot online but feel overwhelmed when I try to figure out my own situation. Ive used a few of the online 401k calculators to estimate my value at retirement, but I have NO idea if I can trust that. Major question: what is a reasonable Annual Rate of Return? They say 8, but honestly I think the economy is going to be quite crappy. does 8 avg. account for that? Should I knock it down to like 3-4 for my planning? My current situation: 28 years old, 50,000 in 401k divided across 3 from 3 different jobs, and I currently contribute about 1000month, which is 8 mine 6 employer match maximum. So, how does my current situation look? What do you think Im on track for, and do you recommend changing anything? Thanks so much for your help!EDIT: adding 401k details:1: 15,000 total, no longer contributing - 66 TRP MID CAP GROWTH - 24 COL SM CAP VALUE IZ - 10 divided between FA FREEDOM 2010 I and FA FREEDOM INC I 2: 25,000 total, no longer contributing - 65 growth - 12k American Funds Growth Fund of Amer R3, 4k American Funds New World Fund R3 - 35 target date 8.5k American Funds 2050 Target date fund R3 3: 10,000 total, currently contributing 1000month - 95 lifecycle 2050 fund - 5 international index fund  <response>: Without commenting on the specific funds in your portfolio, I highly recommend you roll over your old 401k plans to Vanguard. Company-sponsored 401k plans are limited in the funds you can use, and often come with high fees. Look up the expense ratios on your funds and also check out if you are paying any fixed fees like annual fees on your accounts. All 401k participants got fee disclosure information by August 2012. If you didnt receive this, contact your employers.Vanguard is owned by its customers, much like a credit union, so they offer funds with lower expenses than many other places. This is why I use and recommend them. 