[kv968]

I would say go with the Fidelity Freedom 2040 in your 401k. It's going to have a lot of overlap with the T Rowe Price fund but if you want a basic "set-it-and-forget-it" type account that's the best way to go. However with those funds you won't get much exposure to small caps and about a 20% exposure to foreign stocks so if you'd like to have some "maintenance" in your account, you could add some of those in with the other funds available to you. You could also throw a small portion of real estate too since there's none at all in the retirement funds. There's more risk involved with the small-caps and the real estate funds but you say your risk is mod-aggresive and you're young so a little of each of those classes could really help you out.