<prompt> Human: Hey rpersonalfinance,Ive spent a fair amount of time on this sub and elsewhere exploring retirement strategies, looking up tips, and hopefully learning a little along the way to help me make the most of my savings and retirement. This coming month, Ill be eligible to enroll in my companys matched 401k plan, and I was hoping you guys might be able to help advise me on my fund allocation. First off, a little background info on myself:- 24 years old- Income: 45,000year gross- Savings: 3,000- 10,000 Legacy Treasury Direct Bond set to mature in 2020 and direct depositing 800 worth of interestyear- 23,000 student loan debt- 1,800 in public retirement account from job I worked throughout schoolNext, the plan basics:- Charles Schwab- Standard 401k and Roth 401k options- Fully vested immediately- Company matched 100, up to 4Great, now where to go from here? If I do nothing, Ive found, after a little asking-around, that Ill be auto-enrolled in the standard 401k at 4 with all contributions directed to a JPMorgan 2050 target-date fund. From what Ive gathered, it sounds like the Roth option might be of greater benefit to me currently as Im starting relatively early and, though I dont want to be overly optimistic, I think its a safe bet Ill find myself in a higher tax bracket before all is said and done. I dont think I necessarily have a problem with target-date funds, but the associated 0.94 ER is a little steep. So, that leaves me to manage my contributions myself and with a fair number of alternatives to consider. This is a list of the available funds offered by the plan and a tentative allocation strategy Ive thrown together: Fund Ticker ER Current Tentative Strategy --------------- Asset Allocation JPMorgan SmartRetirement 2015 A JSFAX 0.82 0 0 JPMorgan SmartRetirement 2020 A JTTAX 0.86 0 0 JPMorgan SmartRetirement 2025 A JNSAX 0.89 0 0 JPMorgan SmartRetirement 2030 A JSMAX 0.91 0 0 JPMorgan SmartRetirement 2035 A SRIAX 0.93 0 0 JPMorgan SmartRetirement 2040 A SMTAX 0.94 0 0 JPMorgan SmartRetirement 2045 A JSAAX 0.94 0 0 JPMorgan SmartRetirement 2050 A JTSAX 0.94 100 0 JPMorgan SmartRetirement Income A JSRAX 0.78 0 0 Large Co. Stocks Schwab SP 500 Index SWPPX 0.09 0 50 Vanguard Windsor II Admiral VWNAX 0.28 0 0 Wells Fargo Advantage Large Cap Gr I STNFX 0.65 0 0 SmallMid Co. Stocks Eagle Small Cap Growth I HSIIX 0.78 0 0 Fidelity Spartan Extended Mkt Index Inv VWNAX 0.10 0 20 Goldman Sachs Small Cap Value Instl GSSIX 0.95 0 0 JPMorgan Mid Cap Value Instl FLMVX 0.76 0 0 Prudential Jennison Mid Cap Growth Z PEGZX 0.77 0 0 IntlGlobal Stocks Harbor International Institutional HAINX 0.75 0 0 Parametric Emerging Markets EIEMX 1.13 0 0 Schwab International Index SWISX 0.19 0 20 T. Rowe Price International Discovery PRIDX 1.21 0 0 Specialty Stocks Voya Real Estate I CRARX 0.91 0 0 Bonds Prudential Total Return Bond Z PDBZX 0.58 0 10 Capital Preservation Wells Fargo Stable Value Fund M 55 WFSCZ 0.77 0 0 Thoughts?P.S. Keep doing what you guys do. Im sure you know it, or you wouldnt be here, but this sub really is an invaluable resource for people like me working on financial literacy and I cant thank you all enough!  <response>: Go with what your tentative strategy allocation says. Good on you. 