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I look at Blackrock’s MALOX institutional fund a lot. “60/40-ish”, besides stocks various bonds, and cash, .. it can also invest in commodities which I switch to mostly “paper gold” that reacts even stronger than the metal to the upside (though it’s the same is true on the downside)
Your options are 401k classics. * SSGA is state street those are index funds. As are the Vanguard offerings. * Dimensional US Core Equity 1 -- the inventors of smart beta a slight value and small tilt in place of a USA index. * BlackRock Global Allocation -- this is 403bified version of MALOX. That's a classic single mutual fund for life. This fund also works well at holding down portfolio volatility. I love this fund but I'm assuming you are too young for it. * American funds are a 401k classic growth house. Dave Ramsey's choice provider. I don't love them, but you won't go too wrong with them. * Delaware is a value house. I don't love them but end up recommending them for value. * T Rowe is probably the best all around growth house in the USA. Thomas Price is to growth investing what Ben Graham is to value. The T. Rowe Price 2060 Fund is a real consideration for a one fund approach. * Fidelity Contrafund is a one of Fidelity's former flagship funds. Will Danoff (the manager) has been so-so. I'd say pass. Anyway what I'm seeing here is a terrific 403b that you can do almost anything with. They have almost every style covered. You shouldn't be complaining. Get out a spreadsheet and start looking these funds up. If you can't decide T. Rowe Price 2060 Fund is my all around favorite one fund choice from these options but you won't go too wrong with the Fidelity 2060. If you are close to retirement and I was wrong about your age the BlackRock Global Allocation is a very good fund for a sustained withdraw.