<prompt> Human: After taking some of your advice and doing my own research I narrowed my choices down to the following picks for my Vanguard 401k:- Target Retirement 2060 Trust II- Franklin Growth Series Class R6 domestic stocks- Vanguard Russel 2000 Index Fund Institutional Shares domestic stocksNow my only question is, what s should I solit these into? Im in my 20s and would prefer to play on the riskier, high potential side of things first.I was thinking 40 Target retirement, 40 russel, 20 Franklin Growth. Thoughts Suggestions?Thank you in advance.  <response>: Just go 100 percent Target Retirement If those are the only fund choices. What does the Franklin growth get you? It has a way higher expense ratio and honestly its about the same returns as the SP500. If you want a total risk allocation you could add the Russel 2000. Of all the domestic holdings in an Index outside of sectors it probably the most risky.Is this your own fund choices? If you really hate bonds, which is fine at your age you could go:VTI - 60-70 percentVXUS - 15-20 percentVB - 8-20 percent That would give you a total market with a risky tilt towards small caps which have the most riskreward with still having a 15-20 percent make up in international funds to hedge against currency risk. The fund would be cheap, easy to manage and pass on. 