<prompt> Human: Hi, I am looking for some advice on were to allocate my investments in my Mass Mutual 401k plan. I am 26 yrs old and want to start planning the best possible way I can before I get too old! I currently contribute 3 of my pay, my company matches up to 6 which I will be changing once I know were to allocate my funds. I also am interested in opening a Roth IRA account at Vanguard later this year once I finish paying off 7k in credit cards 26yrs old 40k a year 7k in credit cards 0 apr if paid in full by 1 year 20k in savings Saving for a house downpayment Here are my current fund allocations  <response>: Dont wait to contribute up to the match... That is throwing away free money and you can always reallocate your portfolio whenever you want.80 equity 20 bonds is a good rule of thumb to start with given your age. You may want to go even more heavy weighted in equity if you think you have good lifetime earnings potential.Also, if you really want to keep it simple, just look for a target date fund.Lastly, look for something with low expense ratios...Like below .1 for a equity fund 