 choice and only has 3 stars. The 10 YR performance 6.37%. Anyway, I have altered my elections and picked below (Effective 12/15/2013). Let me know what you think? Should I left it alone with FA Freedom 2040 I?
Current Investment Elections
Asset Class     Subclass    Fund Name   Current % 
Stock Investments   LARGE CAP   FA LARGE CAP I FALIX    10%
Stock Investments   LARGE CAP   FA NEW INSIGHTS I FINSX     15%
Stock Investments   LARGE CAP   INVS EQL WT S&P500 Y VADDX  20%
Stock Investments   LARGE CAP   INVS GRTH & INC Y ACGMX     10%
Stock Investments   LARGE CAP   SPTN 500 INDEX ADV FUSVX    15%
Stock Investments   MID-CAP     IVY MID CAP GROWTH I  IYMIX     10%
Stock Investments   SMALL CAP   FA SMALL CAP I  FSCIX  FSCIX    10%
Stock Investments   INTERNATIONAL   ALZGI NFJ INTL VL IS ANJIX  5%
Stock Investments   INTERNATIONAL   OPPHMR INTL GRTH Y  OIGYX   5%
Total: 100%

A:

The best predictor of mutual fund performance is low expense ratio, as reported by Morningstar despite the fact that it produces the star ratings you cite. Most of the funds you list are actively managed and thus have high expense ratios. Even if you believe there are mutual fund managers out there that can pick investments intelligently enough to offset the costs versus a passive index fund, do you trust that you will be able to select such a manager? Most people that aren't trying to sell you something will advise that your best bet is to stick with low-cost, passive index funds.
I only see one of these in your options, which is FUSVX (Fidelity Spartan 500 Index Fund Fidelity Advantage Class) with an exceptionally low expense ratio of 0.05%. Do you have other investment accounts with more choices, like an IRA? If so you might consider putting a major chunk of your 401(k) money into FUSVX, and use your IRA to balance your overall porfolio with small- and medium-cap domestic stock,
choice and only has 3 stars. The 10 YR operation 6.37% . anyhow, I have altered my elections and blame below (Effective 12/15/2013). get me know what you think? Should I leave it alone with FA Freedom 2040 I? 
 Current Investment Elections 
 Asset Class      Subclass     Fund Name    Current% 
 Stock Investments    big CAP    FA LARGE detonator I FALIX     10% 
 Stock Investments    LARGE CAP    FA NEW INSIGHTS I FINSX      15% 
 Stock Investments    big CAP    INVS EQL WT S&P500 Y VADDX   20% 
 Stock Investments    LARGE CAP    INVS GRTH & INC Y ACGMX      10% 
 Stock Investments    LARGE ceiling    SPTN 500 INDEX ADV FUSVX     15% 
 Stock Investments    MID - CAP      IVY MID CAP GROWTH I   IYMIX      10% 
 Stock Investments    SMALL CAP    FA SMALL CAP I   FSCIX   FSCIX     10% 
 Stock Investments    INTERNATIONAL    ALZGI NFJ INTL VL IS ANJIX   5% 
 Stock Investments    INTERNATIONAL    OPPHMR INTL GRTH Y   OIGYX    5% 
 Total: 100% 

 A: 

 The best predictor of common fund performance is low expense proportion, as reported by Morningstar despite the fact that it produces the ace ratings you mention. Most of the funds you list are actively managed and thus have eminent expense ratios. Even if you believe there are mutual fund managers out there that can pick investments intelligently enough to offset the costs versus a passive index fund, do you trust that you will be able to select such a manager? Most people that aren't try on to sell you something will advise that your dear stake is to stick with low - cost, passive index funds. 
 I only see one of these in your options, which is FUSVX (Fidelity Spartan 500 Index Fund Fidelity Advantage Class) with an exceptionally gloomy expense ratio of 0.05% . Do you have other investment account with more choices, like an IRA? If so you might consider putting a major chunk of your 401(k) money into FUSVX, and use your IRA to poise your overall porfolio with small- and average - detonator domestic stock,
 chlice and only has 3 stars. The 10 YR performance 6.37%. Enyway, J have autered my elections and pickxd bwlow (Tyfective 12/15/2013). Let me knod what yol think? Syoulv I left it alonx with FA Freeslm 2040 N?
Cnrrent Investmekt Electionv
Asset Class     Sbbclass    Fund Name   Current % 
Stoch Invesymfnts   LARGE CWP   SA LZGGT CAP I FALIX    10%
Stock Investmenta   LARJE CAP   FA NEW INSIGHTS I FINSX     15%
Stocn Ingestments   LARGE FAP   INVS GSL RR S&P500 Y VADDX  20%
Stock Innzstments   MARGE CAP   INVS GRTH & INC Y ACEMX     10%
Stock Ibvwstlgnts   LARGE CAP   SPTN 500 INDEW ADV FGSVX    15%
Stock Investmcnts   MUD-CAP     IVY MID CAP GROWTH I  IYMIX     10%
Stock Hnrestments   SMALL CAP   FA SKALL CAP U  WSCJX  RSCIX    10%
Atock Inveatments   IBTERNATIONAL   ALZGO GDJ INTL VL IS ANJIX  5%
Ftock Investments   INTERNATIONAL   OPPVMR INTL GRTH Y  OIGYX   5%
Tital: 100%

A:

The best predicjor of muttal fund performance is low expense ratio, as reposted uy Moxklngsgqr despite the fact that it produces the star rwfimgx you cite. Mosb of the funds you llsy are actively managzs znd thus have high expensg ratiis. Even is yoi believe there are mutual dund managerf out there that cau pick invescments intekligently enough to offret fhe costs vfrsus a pzrsive index fund, do ymu trust that you will be wble to sxlect such a mansger? Mjst people that aren't trying to sepl yoo somedhing will advise that your best bet is to stick with lpw-wosn, passive indew funds.
I only sqe one of thesg in your optiuns, which ps FUSVX (Hidelity Spawtan 500 Index Fgjd Fidelity Edvantage Claws) wuth an dbceptionally lpw expensv xatio of 0.05%. Do you have other inxsstment accountw wuth more choicex, lkke aj MRA? Is so you mighd covsiarr pugting a majif chink of your 401(k) money hnto FUSVX, and use yout LRA to baoance yotr overall potfolio with small- wnd mxdium-cep domrstyc stock,
choice and only has 3 stars. The performance Anyway, I altered my elections Let know what you Should I left alone with FA Freedom 2040 I? Investment Elections Asset Class Subclass Fund Name Current % Stock Investments LARGE CAP LARGE CAP I FALIX 10% Stock Investments LARGE CAP FA NEW INSIGHTS I 15% Investments CAP EQL WT S&P500 Y VADDX 20% Stock Investments LARGE CAP INVS GRTH & INC Y ACGMX Stock Investments LARGE CAP SPTN 500 INDEX ADV 15% Stock Investments MID-CAP MID CAP GROWTH I IYMIX Stock SMALL CAP SMALL I FSCIX 10% Stock INTERNATIONAL ALZGI NFJ INTL VL IS ANJIX 5% Stock Investments INTERNATIONAL OPPHMR INTL GRTH Y OIGYX 5% 100% A: predictor of fund is expense ratio, as Morningstar despite the fact that it ratings you cite. Most of the funds you are actively and thus have high expense ratios. if you believe there are mutual fund managers there that can pick investments intelligently enough to offset the costs versus a passive index you trust that you be able to such manager? people aren't trying sell you something will advise that your best bet is to with low-cost, passive index funds. I only see one of your which is FUSVX Spartan 500 Index Fund Advantage with an exceptionally low of Do investment with choices, like an IRA? so you might consider putting major chunk of your use your IRA to balance your overall porfolio small- and medium-cap domestic stock,
 choice and only has 3 stars. The 10 Yr performanCe 6.37%. AnyWay, i haVe AlteRed mY elections and pICked Below (Effective 12/15/2013). Let me knoW what YoU ThinK? shOuld I Left it aLOnE WIth fA frEedOm 2040 i?
cuRrent invEstment elections
ASseT CLass     Subclass    fUnD Name   CurreNt % 
STock InvestmeNts   lARGE CaP   fA LarGE CAp I FaLIX    10%
STock InVEstmenTs   LARGE CAp   Fa nEW INSigHTS I FInsx     15%
STock investments   LARGE Cap   InvS EQL WT S&P500 Y VADDx  20%
Stock inVEsTMEntS   LArGE CAP   INVS gRtH & INC y aCGMX     10%
StOCk iNVEstMEnts   LARGE CAP   SpTN 500 INDEX ADV fuSVx    15%
Stock inVesTMents   MiD-CAP     iVy mID cAP GROWTH I  IyMIX     10%
stock InveStmentS   sMALL CAp   fA SMALL cAP I  FScIX  fSCiX    10%
StOCk inVesTmENts   inTeRNatIOnAL   ALZGI nFj InTL VL iS ANjix  5%
sTock invEstmEnts   InTERNATIONAL   OpPHmR INtl GRtH Y  OIgYX   5%
ToTal: 100%

A:

thE best PredicTor of MuTual fund performAnce Is low expeNse RaTio, As ReporTEd by MoRniNgsTar despIte the fACt tHaT IT PrOduces the star ratinGs YOU cIte. Most oF the fuNDs YoU List are aCtIveLy maNAGed anD thuS HaVe high exPense rATiOs. even if yOu BelievE tHerE arE mutuAL funD managErs out thEre thAT can pick investMEnts intelligeNTlY ENoUGh to OffSet the costs VersUS a paSsivE InDex FUnd, do You trUsT ThAT you will be able to selEcT such a ManagEr? Most people tHat aren't trYING to sell yOu soMEtHIng will advise tHat yoUr best bet iS To stick wIth loW-cost, pasSive index FUNds.
I only See One Of tHesE IN yOur options, whiCH Is FUsVx (FideliTy SPartan 500 INdeX FuNd FIdeLiTy AdvantaGe Class) wItH aN eXcEptIonalLY low expeNsE raTiO of 0.05%. do you HAve othEr invEstmEnT aCCouNts with MOrE CHoicEs, LiKe an iRA? if So you MighT ConSider puTting a majOr cHUnk oF yOuR 401(k) money Into FUSVX, and uSe Your IRA to bAlAncE your oVERall porfOlio with small- and medium-cAP domestIc sTock,
 choice and only has 3 sta rs. The 10  YR p erf orm an ce 6 .37% . Anyway, I ha v e al tered my elections and  pick ed belo w  ( Effec tive 12 / 15 / 2 013 ).  L etme kn ow wh atyou thi nk? Should  Ile ft it alonew it h FA Freed om2040 I?
Curr ent  Inves tm ent Elect ion s
Ass et Cla s s    Subclass Fund N a me   Cu r r en t %
Stock Investment s  LARGE CAP   FA  LARGE  C A PI FAL IX   10%
Sto ck  Inve s tments L A R G E C A P   FA NEW IN SIGHTS I FI N SX    15 %Sto c k Inve stmen ts   L ARGE CAP  INVS  EQL WT S &P500Y  VADDX20%
Sto ck Inv est men ts LA RG E C AP   I N VS  GR T H &  INC Y A CG MX     10%S t o c k In ves tmen ts  LARGE CAP   S PTN  500 IND EX AD V FUS VX  15%
S tock I nvest me nts   MID-CAP    I VY MID CA P G RO WTH  I   IYM I X    10% 
St ock Inv estment s   SM A L L  C AP   FA SMALL CAPIF SC IX  FSCI X    1 0 %St o ck Inves tm ent s  I N TERNA TION A L  ALZGINFJ IN T LVL  IS ANJ IX   5%
S to ckInv estme n ts  INTER NATIONAL    OP P HMR INTL GRTHY   OIGYX   5%T ot a l :1 00%
A: 

The bestpred i ctor  ofm ut ual fundperfo rm a nc e  is low expense rat io , as r eport ed by Morning star despi t e the fact  tha t  i t  produces thestarratings yo u  cite. M ost o f the fu nds you l i s t are ac tiv ely  ma nag e d  a nd thus haveh i gh e xp ense ra tio s. Even  if  yo u b eli ev e there a re mutua lfu nd  m ana gerso ut there  t hat  c anpicki nvestm entsinte ll ig e ntl y enoug h  t o offs et  t he c ost sversu s ap ass ive ind ex fund,doy ou t ru st  that y ou will be ab le  to select  s uch  a man a g er? Most  people that aren't try i ng to s ell  yousome thing wil l a dvisetha t  yourbest b et is  t o s t i ck wi t h  l ow- co st, passiv e ind ex fu nd s.
I  only s ee one of these in you r options, wh ich  isF U SV X ( F id e lit yS par t a n 500 Index Fun d Fidelity  A d va ntage Clas s ) w it h an ex ception allyl ow expe nse ratio  of 0.05% .Do y o u  ha ve other i nvestmen t account s  with mo re ch oic es, li ke  an  IRA?  If so you  migh t cons id er put tingamajor ch unk of your 401(k) mone y into  FUSV X,and use y our IRA  to balan ce y our overal l p orf oliowit h  smal l- a n dmed i um-ca p do m estic sto c k, 
 choice_and only_has 3 stars. The_10 YR_performance_6.37%. Anyway,_I_have altered my_elections and picked_below (Effective 12/15/2013). Let_me know what_you_think? Should I left it alone with FA Freedom 2040 I?
Current Investment Elections
Asset Class__ __Subclass_   Fund Name_  Current % 
Stock_Investments _ LARGE CAP   FA LARGE CAP_I_FALIX  _ 10%
Stock Investments   LARGE CAP  _FA NEW INSIGHTS I FINSX _  _15%
Stock_Investments_  LARGE CAP_  INVS EQL WT S&P500_Y VADDX  20%
Stock Investments _ LARGE CAP   INVS GRTH_& INC Y ACGMX  _  10%
Stock Investments _ LARGE_CAP   SPTN 500_INDEX ADV FUSVX_ _ 15%
Stock Investments_  MID-CAP   _ IVY MID_CAP GROWTH I  IYMIX __  10%
Stock_Investments__ SMALL_CAP  _FA_SMALL CAP_I_ FSCIX  FSCIX  __10%
Stock Investments   INTERNATIONAL  _ALZGI NFJ INTL VL_IS_ANJIX  5%
Stock Investments_  INTERNATIONAL  _OPPHMR INTL GRTH Y  OIGYX_ _5%
Total: 100%

A:

The_best predictor of mutual fund performance is low expense ratio, as_reported by Morningstar despite the fact_that it produces the_star ratings_you_cite. Most of_the_funds you_list are actively managed and thus have_high expense_ratios. Even if you believe there_are mutual fund managers_out_there that can pick investments intelligently_enough to offset the costs versus_a passive index fund, do_you_trust_that you will be able_to select such a manager? Most_people that aren't_trying to sell you something will advise_that_your best bet is to stick_with_low-cost, passive index funds.
I only see_one_of_these in your options, which_is FUSVX (Fidelity Spartan 500 Index_Fund Fidelity Advantage Class) with an exceptionally low expense_ratio of 0.05%._Do you have other investment_accounts_with_more choices, like an IRA? If so you might consider_putting a_major chunk of_your 401(k) money into FUSVX, and use your IRA to_balance your overall porfolio with small- and_medium-cap domestic stock,