Starting a little late in life, lazy contributions look okay?
My work only partners with Principal <dot> com and these are my only options.
Am I doing the allocations correctly?
Would you change anything?
Edit: - 38 years old. - high risk tolerance - 60K USD student debt - No assets (other than $2000 car) - 10K savings
| Asset Class | Investment Manager or Sub-advisor | Investment Option | Current Allocation |
|---|---|---|---|
| Short-Term Fixed Income | Vanguard Group | Vanguard Federal Money Market Investor Fund | 34.00% |
| Fixed Income | JP Morgan Investment Mgmt Inc. | JP Morgan Government Bond R6 Fund | |
| Fixed Income | Metropolitan Management | Metropolitan West Total Return Bond Plan Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid Income R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2015 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2020 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2025 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2030 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2035 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2040 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2045 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2050 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2055 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2060 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2065 R6 Fund | |
| Balanced/Asset Allocation | Multiple Sub-Advisors | Principal LifeTime Hybrid 2070 R6 Fund | |
| Large U.S. Equity | Fidelity Management & Research | Fidelity Blue Chip Growth K6 Fund | |
| Large U.S. Equity | Fidelity Management & Research | Fidelity 500 Index Fund | 33.00% |
| Large U.S. Equity | Vanguard Group | Vanguard Equity-Income Adm Fund | |
| Small/Mid U.S. Equity | Carillon Tower Advisers | Carillon Eagle Mid Cap Growth R6 Fund | |
| Small/Mid U.S. Equity | Dimensional Fund Advisors | DFA Real Estate Securities I Fund | |
| Small/Mid U.S. Equity | Fidelity Management & Research | Fidelity Mid Cap Index Fund | |
| Small/Mid U.S. Equity | Fidelity Management & Research | Fidelity Small Cap Index Fund | |
| Small/Mid U.S. Equity | Goldman Sachs Asset Mgt | Goldman Sachs Small Cap Value Insights R6 Fund | |
| Small/Mid U.S. Equity | JP Morgan Investment Mgmt Inc. | JP Morgan Small Cap Growth R6 Fund | |
| Small/Mid U.S. Equity | Victory Capital Management | Victory Sycamore Established Value R6 Fund | |
| Global/International Equity | MFS Investment Management | MFS International Growth R6 Fund | 33.00% |