<prompt> Human: Hi all. Im looking for input on my funds allocation for my employer sponsored 401k plan. About Me I am 29 years old with low debt, grossing 61,000 annually. Debts 3,000 student loan will be paid off in 2 years 127,000 mortgage 3 months into a 30 year loan, on track to pay off in about 23 years Assets 11,600 in whole life policies very conservative investment, but happy with long term plans for this 3,000 Ford Focus paid for 1,000 savings I know this is incredibly low. Budget changes when the manfriend moves in will mean 1,000month into personal savings, combined 1,500month Current 401k info Currently contributing 7 pre-tax Previous to this year I was contributing 12 pre-tax Employer match of 70 up to 6 of my earnings Current allocation performance in the last 12 months was 17.87 and 2.64 for the quarter Current 401k balance is 44,512. Allocation Options Here is my current allocation and the available options. Here is my employers stock performance history. Pension My employer also provides a pension that currently contributes 2.3 of my annual pay, and that number grows each year. My current pension balance is 7,843.27 Questions How would you allocate funds and why? Should I return my 401k contributions to 12 when Ive paid down my mortgage and the PMI is removed 16 months or set up a Vanguard account? Should I split my contributions between pre-tax and Roth? Any other advicesuggestions?  <response>: 40 in company stock is asking for trouble. Yes that stock has been doing well for the past 3 to 4 years but so has the entire stock market. My question is how would you feel if your company tanked one day? Not only would you lose 40 of your retirement but also your job. Double whammy. I would recommend dumping the company stock in favor of low cost index funds if your plan has any.And why the heck are you invested in whole life insurance? 