This maybe way off topic from the site... However, I am 23 years old and started my 401k a little over a year ago.. My employer matches up to 6 percent and I contribute 6 percent... I check it about once a month online to see how its doin and I noticed today that I've consistently made 15% return for about the past year... I move my money around from time to time, but for the most part its balanced, there is some in small mid cap/large cap/ bonds/international/ ect. I was afraid of having too many eggs in one basket and so far its working for me. I'd like to hear from some guys that know a little more on the subject and could possibly give me any pointers for investing for my retirement... Thanks!