2 months Appreciate advice or thoughts on my 401K allocation Reddit    

Got a new job. Been working on cleaning up the financial mess I created myself in my early 20s. So I am working on having a less laissez faire approach in my retirement investments, so thinking of moving away from Target funds. Upon my research (filled with blood and tears of understadning stocks, I made this portfolio from what was available at Fidelity/Company to invest in (domestic, international, bonds, emerging markets, US treasury, etc.) Tried to keep in mind low expense ratios as well. What do you all think? Any recommendations?

FID GOVT MMRK PRM – 15%

FID US BOND IDX – 5%

FID INTL INDEX – 15%

FID EXTD MKT IDX – 10%

FID 500 INDEX – 55%

And stupid question – I can always make changes as the market changes right in the future. I learned that as I get older I should switch to less stocks and more bonds. But yeah, let me hear your thoughts–thanks!

EDIT: I’m 26M. Just got a new job making over six figures after living paycheck to paycheck. My retirement before was 403b. Won’t max out my 401K Only a little below 10% since I wanna pay off debt and improve my credit score.

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