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Old 03-27-2008, 08:01 AM
Broken Arrow Broken Arrow is offline
Foot in mouth diseased
 
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I would shoot for 8% to capture the full match.

Yes, the Freedom Fund is Fidelity's target retirement product. As a Fund of Funds, it is already diversified for you. You could technically put all of your money into that and call it a day. Here's a list of the fund's composition.

The rest of the funds actually isn't diversifying anything IMO... unless you wanted to slice & dice your own (without the Freedom Fund). In which case, I would say that, for a 26 year old, you have way too much large caps.... It would also be missing small-caps, internationals, and perhaps bond funds as well. And that would be a typical diversification scenario without getting into other options out there.

My standard suggestion is put it all into the Freedom Fund until you have a specific investment strategy in mind....
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