<prompt> Human: I recently changed jobs and Im joining my new companys 401k plan. They provides 401k matching so, I want to take full advantage from the matching and manage it with minimum effort. I hope my 401k as bucket with which I fill rocks without rebalancing in the future. So, what are my 401k distribution options?: I have two rough idea of the allocation: 1. All-in-one strategy: Just choose T. Rowe Price Retirement 2055 Fund Default Class and allocate 100 in it. It looks little bit expensive0.76 though.2. Choose 2-3 funds with low expense: I have few low fee options like the following: BlackRock SP 500 Stock Fund K Class 0.05 American Funds Growth Fund Of America R-5 Class 0.38 BlackRock Money Market Portfolio Service Class 0.22I add my overall background information for your better understanding. My age: 27 Income: Annual Salary 88k Account type: 401k Debt: Mortgage loan paying off 500 per month, about 14years left Other savings or investments: 6 months of expenses in BarclaysIm very curious how you think on my situation. Any advices or opinions would be really helpful to make a decision. Thanks in advance!  <response>: Do the 2055 Retirement and forget about it.In order to lower fees, roll over to Vanguard when you leave this job. 