I am 31m and just changed jobs, so have a new 401k setup and am unsure as to the best allocation within it? Employer matches up to 3%. There are only 28 fund options and 10 of them are Target Retirement Funds. The other options are split between Vanguard Small, Mid, and Large cap Growth and Value Indexes. Some DFA funds, 4 international funds(VTMGX, VWILX, RNWGX, State St Glbl) , 2 Bond funds(PHYQX, DIPSX) and 2 Real estate funds(DFREX, JMBUX)
Also unsure if I should transfer by previous 401k balance into the new one or put it into my Roth IRA where I can put it into whatever I want...
I would appreciate any guidance or advice on these 2 decisions.