My company just switched all my retirement accounts to Fidelity...

Some sites say 100 minus age, others say 115 minus age. Personally, I go with 115, which in your situation would be 70% stocks and 30% fixed income.

I am somewhat optimistic, so with 22 years left, I would go 75-25, and look to reduce stocks to 70% around age 50.

I'm with Fidelity as well through my employer.Just moved a good bit of my funds around yesterday. Only pulled a 9.2% return last year when some of my co workers hit 15 or 16%. I turn 50 years old Friday.