<prompt> Human: Hi PF!Just started my first big boy job and I am a complete noob in investing. Here are the options for my 401k investment. The default option is FIAM TD 2060 POOL Q and currently I am invested 100 in it. I was looking at the the list and saw that the average annual income of FID CONTRAFUND POOL is much higher than TD 2060 POOL.My question is why shouldnt I invest 100 in CONTRAFUND? What are the risks? I am 24, so I am willing to invest aggressively for higher returns. Any advice will help me greatly. Thanks.  <response>: Past performance is not a guarantee of future returns. Understand whats actually in the funds, their fees, and your risk tolerance. 