Posts  / #POST-228034
REDDIT

401K Manual Allocation Options

T
May 22, 2026 · 20:57

My 401K provider doesn't have an auto allocation option. I am aiming for mildly aggressive as I am almost 30 with a decent income (between 100-150K). I have realized that 100% of my investments were going to T Rowe Blend 2060. It did ok this year, but I would like to know if I can do better. I did some of my own research and landed on these options. Granted this has only been 10-15 minutes of skimming reddit, so I'm curious if this is diverse enough or too aggressive.

Fidelity 500 Index - 38%

Vanguard International Index - 25%

T Rowe 2060 Blend - 17%

MacKay High Yield Bonds - 8%

Vanguard Mid Cap - 6%

Vanguard Small Cap - 6%