I recently started a new job that offers a 401k plan. I never have had one before ( I’m 26) and trying to research where I should put my contribution. They give me the option to pick a “target date fund” ( mine would be 2065 for my age group) that automatically changes my investment over time depending on market conditions. Or they give an option to “pick a series of mutual funds based on my investment strategy. I am not sure what mutual funds to pick, so I was going to reach out to a financial advisor , but am writing here first to get some insight. I also am attracted to the target date fund, but am unsure which would perform better.
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