Help with Voya 401k

If you are looking for just free advice, post the full list of investment options your 401k has.

Are you looking to be aggressive, conservative, mixed, etc.?

Assuming the OP is actually 20 years old (as in it wasn't just a generic 20), I'd say the 2055 fund isn't as aggressive as you'd want to be at your age. Although, I realize they might not have funds further out yet.

Target funds change from very aggressive to conservative automatically as you get closer to the end date. So you'd want to identify the date/age you would expect to retire, and choose that fund.

Voya or Vanguard?

I contribute 6% and my company matches 3%.

I ended up sticking with a Small, Global and staying with my TR 2055 fund.

I ended getting some help from a friend at work. So thank you guys for your input and help.

I am not to hot on global with UK leaving the EU and with Trumps administration making moves on trade deals with Asia. But i know its safe to diversify and I don't even know if that will have a direct effect with the international market. I was thinking of saying screw global and go into a large cap fund with JP Morgan but I was told my Small/Mid fund would eventually turn into a Large Cap. WOULD LOVE SOME INPUT ON THIS TOPIC.

I still do not understand the whole TR fund stuff but I was told by my friend I want to stay in it. I completely agree it doesn't make sense because that fund is already diversified so if you have anymore input I would love the help as well.

I was thinking bonds but I was told at my age (25) I don't want to be in bonds. Don't really understand that either.

But I was showed how I can see how each fund is performing and how I can base my picks upon that.

Here is the Vanguard 2055 allocation


Cash 2.14%
Stock
US Stock 53.33%
Non US Stock 34.54%
Bond
US Bonds 6.44%
Non US Bonds 3.36%
Other 0.14%
Total Net Assets $9,862,427,956


a small/mid cap fund will always have that objective. Once a company's market cap becomes > than a certain amount the fund managers will remove that position from the portfolio and allocate the funds from liquidation elsewhere. For example Amazon was likely a midcap stock or maybe even small cap at it's IPO. There aren't any midcap mutual funds that have it in their portfolio because that isn't the fund's objective. Their objective is to invest in small to midcap stocks until they grow and then take the profits and find the next thing they think will grow to be big.

Global and International are not the same thing. Europacific growth is an international fund which is outside of the US. Global funds will have significant exposure to the US right now. These days the economy is so global that even US companies give you international exposure. Hell, Coke makes more money overseas than here.