<prompt> Human: I started reading this sub fairly recently. Until then, I was putting 10 of my pay into my 401k. We use Prudential, and there is a Goalmaker feature that automatically allocates my funds depending on what I it set to. I was using the aggressive setting.After learning some things here, I have made some changes. I now only put in enough to max out my companys match - the rest of the money goes towards paying down student loan debt. I cancelled the Goalmaker feature and I want to allocate my funds manually. Below are the investment names, gross expense ratios, net expense ratios if applicable, and current allocations in boxes.---Guaranteed Income Fund: 0.00Prudential Core Bond CIT: 0.30Vanguard Total Bond Market Index Adm: 0.08PIMCO Real Return Instl: 0.470.45Balanced I Fund sub-advised by Wellington Management: 0.52PIMCO All Asset Instl: 1.000.869Large Cap Value AJO Fund: 0.5219Vanguard Institutional Index I: 0.04SAT. Rowe Price Growth Stock Strategy: 0.5719Mid Cap Value Fund sub-advised by Wellington Management: 0.7212Mid Cap Growth Artisan Partners Fund: 0.7712BlackRock Russell 2500 Index Non-Lendable Fund: 0.08American Funds Europacific Growth R6: 0.4929BlackRock MSCI ACWI Ex-US Non-Lendable Fund F: 0.16According to the 401k FAQ is seems like I should put everything into the Guaranteed Income Fund because of its low expense ratio. That doesnt seem right but then again Im no expert.Im 28 and the total value of assets is 12K if that makes any difference.Edit: formatting  <response>: Use: Vanguard Total Bond Market Index Adm: 0.08 bond Vanguard Institutional Index I: 0.04 SP 500 fund BlackRock Russell 2500 Index Non-Lendable Fund: 0.08 smallmid cap BlackRock MSCI ACWI Ex-US Non-Lendable Fund F: 0.16 internationalDo the SP 500 and Russell 2500 in an 8020 ratio for your domestic allocation. Then put it together with the bond fund and international fund to make a three-fund portfolio: Id do probably 10 bonds, 60 domestic then split that 8020, 30 international. 