Hey everyone, I'm a 22 year old investor. I started my first "adult" job back in June 2025 and began contributing to a 401(k) when I became eligible in September. The provider is T. Rowe Price. There are a variety of TDF options as well as some actively managed stock funds and institutional Vanguard index funds. There is also a Vanguard institutional total bond market index trust. I already have a Roth IRA with money I saved while working in college with Fidelity. My current asset allocations are below in the table. All the 401(k) funds are invested in Vanguard institutional index trusts currently. My parents are pretty financially knowledgeable (both have finance/business backgrounds) and have recommended I add some actively managed growth heavy sectors/growth focused funds as well as avoid bonds because I'm so young. They are listed out below the table. Obviously this isn't the "Bogle way" but I'm just curious what others think. Are my current allocations ok? Should I add these funds? Are there other funds I should add that I'm missing? Should I continue avoiding bonds? Am I overthinking all of this? Any and all advice is appreciated. Thanks!
|Account|S&P 500 Index Fund (VW382)|Total Market Index Fund (FSKAX)|Total Intl Index Fund (FTIHX/VW385)|Mid Cap Index Fund (FSMDX)|Small Cap Index Fund (FSSNX)|Mid & Small Cap Index Fund (VW383)|
|:-|:-|:-|:-|:-|:-|:-|
|Roth IRA|\-|50%|30%|10%|10%|\-|
|Traditional 401(k)|50%|\-|25%|\-|\-|25%|
The funds they want me to add to each account at around 10-20% allocation each are below.
Roth IRA:
FSPTX - Actively managed tech sector fund ([https://fundresearch.fidelity.com/mutual-funds/summary/316390202](https://fundresearch.fidelity.com/mutual-funds/summary/316390202)) 0.62% ER
FLPSX - actively managed fund that invests in undervalued stocks low price stocks in the US & internationally ([https://fundresearch.fidelity.com/mutual-funds/summary/316345305](https://fundresearch.fidelity.com/mutual-funds/summary/316345305)) 0.87% ER
401(k):
RNPGX - American New Perspectives R6 ([https://www.capitalgroup.com/individual/investments/fund/rnpgx](https://www.capitalgroup.com/individual/investments/fund/rnpgx)) 0.4% ER
T3T - TRP Blue Chip Growth Trust 0.4% ER ([https://markets.businessinsider.com/funds/t-rowe-price-blue-chip-growth-trust-class-t4-us87279u4013](https://markets.businessinsider.com/funds/t-rowe-price-blue-chip-growth-trust-class-t4-us87279u4013)) I think this is a good link, couldn't really find it publicly.