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REDDIT

401K: target fund or own allocation?

S
Mar 25, 2025 · 22:34

Just graduated (23m) and started working full time. Company matches 6% and i just started 12% since I have minimal bills currently. I initially made my own allocation of the following:

FXAIX (500 index) 50%
FSMDIX (Mid Cap Index)25%
FKIDX(International fund) 20%
FXNAX(Us Bond index fund) 5%

I know somebody mentioned here that I should just be looking at one of fidelitys target date funds but it’s pretty similar right? I wanted everybody’s thoughts.