Hello all, I am wondering what I should allocate my funds of my annuity fund to.

I am 25yo and just started contributing to it last year so I want know if I should change it out of the default portfolio which is 10% cash 30% us bonds and 60% large cap core US stocks.

I am able to take loans out using my annuity funds and can also take a mortgage using the funds so I want to consider doing that in the next 5 to 10 years to make a down payment or mortgage on an apartment/house. The fund is through empower and there is set portfolios or I can make my own investments. I would love some advice on what to look into or opinions on the preset options in empower. Thanks