<prompt> Human: i recently read through the faq and other docs for allocating my 401k and determined that i could do better than the default targeted date fund where all my investments were located. i have a little over 10k and am contributing 9 of my income 62400year at 30 yo. this is what i came up with. critiquesuggestions welcome. thanks.  <response>: Its hard to know if these are good choices because we dont know anything about expense ratios and alternative fund choices. However, there seems to some unusual choices that I assume were influenced by past performance which is not indicative of future success. I wouldnt recommend holding my entire bond portfolio in corporate bonds, as this class of bonds is more correlated with market downturns than other forms of bonds. I would probably only hold half of my bond portfolio at most in this asset class. I would focus on if any funds have load fees to eliminate them completely. I would then focus on the funds with the lowest expense ratios. 