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REDDIT

Need help with 401k choices and allocation

O
Feb 21, 2026 · 20:31

I'm 49 with 575k invested in my 401k.

I want to retire at 60 and I invest about 15k/yr. My options with expense ratios under 0.1 are:

Fidelity 500 index

Fidelity mid cap

Fidelity small cap

Fidelity international

Fidelity us bonds

Fidelity inflation protection bonds tips

Putnam stable value

What is a good allocation and of which funds.