Today I have ~40K in 401K. I contribute 3% and my employer match it .
or my 401k adds ~5000 a year . I am 29 years old married having one
kid of 2 months old. I have following options in my fidelity 401k. Can
somebody help me out in managing my 401k, so that I dont lose this
money and gain atleast 50% over 20 years. I know it is hard stocks and
bonds depend on market conditions and nobody knows the future, but
there should still someway to manage it wisely.
Before answering my question please ask me whatever questions you
have, so that I dont end up paying for nothing.

Please advise!!!

Investment Options 	3 Months%	YTD

Stock Investments  
TRP EMG MKT STOCK    	1.18 		0.29  
ARIEL FUND    		6.91 		1.45  
BARON GROWTH    	6.01 		3.57  
CONEXANT STOCK FUND 	49.02 		12.32  
FIDELITY DIVD GROWTH    6.46 		3.36  
FIDELITY DIVERS INTL    4.66 		2.10  
FIDELITY EMERG MRKTS  	0.70 		0.00  
FIDELITY EQUITY INC    	6.02 		2.41  
FIDELITY FUND    	8.80 		5.33  
FIDELITY GROWTH CO    	10.77 		7.74  
FIDELITY LOW PR STK    	4.96 		2.54  
FIDELITY MID-CAP STK    5.07 		3.32  
FIDELITY OTC PORT    	6.61 		2.59  
FKLN SMMIDCAP GRTH A 	6.83 		5.42  
OAKMARK SELECT I    	7.01 		5.71  
SPARTAN US EQ INDEX    	7.63 		4.79  
VK GROWTH & INCOME A 	4.75 		1.82  

Blended Fund Investments 
FID FREEDOM 2000    	2.93 		2.27  
FID FREEDOM 2010    	4.86 		3.76  
FID FREEDOM 2020    	6.30 		4.61  
FID FREEDOM 2030    	6.87 		4.79  
FID FREEDOM 2040    	7.33 		4.95  
FID FREEDOM INCOME    	2.38 		1.89  

Bond/Managed Income  
FID MGD INC PORT    	        1.12 		1.52  
FIDELITY INT GOV INC    	1.51 		1.20  
FIDELITY US BD INDEX    	2.51 		2.65

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Request for Question Clarification by hailstorm-ga on 22 May 2003 18:06 PDT

unclejohn,

Just to clarify, are you limited to the funds you listed below, or are
you allowed to pick your own funds and stocks to use?

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Request for Question Clarification by hailstorm-ga on 22 May 2003 18:06 PDT

The funds you listed above I mean (I forgot that my post ends up below yours...)

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Clarification of Question by unclejohn-ga on 23 May 2003 09:21 PDT

Yes, hailstorm-ga
The funds I listed above only , no other option, Also there are some
restrictions on some of these like "FID MGD INC PORT", If I try to
convert into these, fidelity site says I should be at least 59 years
old... i am not sure why ...

mwalcoff-ga ,
I dont believe in real financial advisers. After reading your 2.1% per
year, I found my goal was pretty low, So I have increased my goal to
100% over 20 years.. or may be 4% per year ...

You're best off talking to a real financial adviser. Fifty percent
over 20 years is a very conservative goal (only about 2.1% per year).
If you want an (almost) sure thing, you can invest in the bond funds
or the managed income portfolio. These are very conservative
investments. Over 20 years, you should be able to double your money
with little risk. Talk to the benefits person at your company and look
over the prospectuses for the bond funds and managed income portfolio.