<prompt> Human: The link has an album showing the options Im given by my employers plan with Principal. Currently just turned 25, contributing 8, company provides 3 match on my contribution of 6. Need help deciding what to aim for investment wise. Because Im decently young, I dont mind being heavily invested in stocks 80 and want to see it grow at the risk of being a little risky right now. Im not the most educated in choices like this and would like some assistance. Will to provide any information necessary to help decide.  <response>: The 2055 target date fund isnt bad with a 0.34 expense ratio, but you can beat it a little with a similar allocation like this, giving you a 0.22 expense ratio, while mimicking fairly closely a typical target date fund holdings.CategoryName Allocation Expense Ratio Weighted Avg Exp Ratio---------------Large Principal SP 500 Index 45 0.05 0.023 Mid Principal SP 400 Index 5 0.05 0.003 Small Principal SP 600 Index 10 0.05 0.005 Intl American Funds New Perspective 25 0.45 0.113 Bond Pimco Real Return 15 0.50 0.075 TOTAL 100 0.218 