<prompt> Human: I just turned 27 years old, and Ive been at my current job since shortly after finishing college in 2007. Ive been contributing 5 of my salary to my 401k this whole time, and the company matches 4.When I first started working, my money was automatically put in a Target Date fund, and it was doing very poorly. Every week I kept seeing my money go down, and after a few months of this I started trying to move my money around to different funds, but it just kept going down no matter what I did due to the recession. It really worried me out to see my money keep disappearing, so I panicked and moved everything to a stable value fund. After that, I stopped losing money which was a relief, but the rate of return was also low, and I realize now that if I had just waited it out, I could have made back those losses and been a lot better off now. Eventually I did put some of my money in bonds, but I havent been getting more than a 5 rate of return the past few years.Early this year, I read up more on investing and decided I should really take some riskier investments while Im still young. So I moved some money around again, trying to diversify and take more risks on some funds that have generally had higher returns over time. My current asset allocation is here: Most of the funds are doing well so far, but unfortunately, the safer fund where I still have 25 of my money Pimcos Total Return Fund, has been doing poorly the past few months. I did some research and it doesnt seem to be looking good for this fund: However, I made the mistake of panicking and selling once before, so Im not sure if it would be a good idea to just wait it out since Im still so far from retirement? Then again, if this fund is tanking, maybe I should get out before it gets worse? Im not really sure how best to approach this.There are several other funds available to me for my 401k, so I was also wondering if anybody had any advice regarding my asset allocation overall, and which funds might be better than what what I currently have? All of the funds available to me are below: this shows my current investments this shows more details including feesI really appreciate any helpadvice! I know Fidelity also offers management services, but it seems really expensive and Im not sure if it would be worth it.Thanks in advance for any suggestions! Assistant: Youre using high-expense actively managed funds while your plan itself has low-cost index funds.Read Long-Term Investing Start-Up Kit from the sidebar.Human: I will check it out, thanks. Couldnt a high expense be worth it if it gets a high return?  <response>: Funds with higher expenses generally dont get higher returns, they get lower returns. Active management produces inferior returns compared to indexing over the long run. Dont pay more for lower performance. 