<prompt> Human: Currently enrolled through Merrill Lynchs 401k plan through my employer. Just had it set for an aggressive model without really looking too much into what exactly it was investing in. For the past two years I honestly do not think it has ever shown me more than a 3 return ever. Not sure exactly why, but after reading this sub for a bit, I know Ive been hearing a lot about investing in index funds. Given that my employer isnt going to change, and I do not have 3k to invest in a Vanguard right now, I started peeking through the list of the funds being invested in right now. I can actually allocate how much of a I want invested in any particular fund from the list.The two that stick out to me are the BlackRock SP 500 Stock Fund and the Columbia Small Cap Index Fund. Both appear at least from their descriptions to be what would seem to be index funds. I was thinking about allocating a majority of my contributions into them. Both of them have the highest average annual total return among the rest of the other funds, so its not like Im just closing my eyes and picking random funds. Does this sound like a good idea or no? Because I already put about 50 of my contributions in there teehee. Just wanted to get some ideas if I just made a doozy.  <response>: You might benefit from reading one of these articles: 401k FAQs 401k Fund Selection Guide I have X, what should I do with it?Also, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 