If you happen to have access to a list of all the securities held by the fund, you can figure it out that way, but most of us are not so privileged. Once you have sorted your funds by asset class, you need to look at the pie chart that fits your situation and figure out how to divide up your investment so that it matches the specified percentages. For the sake of illustration, say you have two funds in your plan. You're not finished yet, though. You will have to make some choices.
Index funds track a predetermined, specific group of stocks.
Also known as passively managed funds, they tend to have very low fees. Historically, index fund returns have been hard to beat, but many people feel more comfortable knowing their money is being managed by a person. Your specific situation We recognize that every investor's objectives, risk tolerance, and time horizon is different, and we do not claim to be able to advise you on your specific situation without knowing details about your current situation and future plans. The information provided here is intended to help you understand the general issue and does not constitute any tax, investment or legal advice. Consult your financial, tax or legal advisor regarding your own unique situation and your company's benefits representative for rules specific to your plan.