Posts  / #POST-223550
REDDIT

Are any of these options any good or should I just keep 100% of my contributions in the TRIM 2050 option they recommended?

W
Mar 31, 2026 · 17:56

**edit: This is with FIDELITY…**

TRIM 2050

TRIM 2060

TRIM 2025

TRIM 2035

TRIM 2045

TRIM 2055

TRIM 2065

BTC EQUITY INDEX GG

BTC RUSSELL 2500 J

International BC MSCI ACWI EXUS J

BTC US DEBT INDEX L

Large Cap DODGE & COX STOCK X

BTW SMID CAP III

International AF EUPAC FUND R6

TRP LG CP GR TR C

Stable Value MIP II CL 3

DFA INF PRT SEC PORT

BTC TOTAL RETURNL

…..

I am 36 and unfortunately just starting my first ever 401k now at my new part time job. These are the only options for investing choices I see with my employer. Not very many.

For reference, apparently the company “matches your Employee Contributions at $.35 for each dollar you contribute, up to 6% of your eligible Compensation.”

I have it set to take 8% out of my paycheck for now

I will probably only make about 12,500 Gross Pay a year at this job but I dont mind putting 50-75% of that into savings/investments - if that is something that should influence my choice??

I am not looking to take any crazy risks. I just want my money to hopefully grow over time safely and more than some standard 3-5% savings account or CD like i have used in the past.

I am new to all this so any advice would be greatly appreciated! Thanks everyone 😃