Hello everyone,

Recent grad and mostly clueless about investment "tactics." I read up some of the reddit wiki but still have a hazy pictures of what to do with my finance/investment. To clarify - I don't have a lot in investment right now, but want to know more than just my idiotic level of looking at the plan options and go "huh?"

So I have something like $20k in a roboadvisor (Betterment), since I had no idea about investing back then and wasn't qualified for an employer-based retirement plan at the time of starting my job. Since it's being managed by the ...robo, I'm guessing I'd just leave the money here and let it does its thing. I contribute about $700 in to this every month.

Through Fidelity (through my employer), I have about 6k right now. 5% of my income goes to it and the employer matches 10%. I put an additional $200 every month.

Here's the allocation:

• LARGE CAP VANG TOT STK MKT IS (VITSX)............... 75%
  
• INTERNATIONAL VANG TOT INTL STK IS (VTSNX)....... 10%
  
• INCOME VG TL INTL BD IDX AD (VTABX)................... 5%
  
• MID-CAP VANG EXT MKT IDX INS (VIEIX) ................. 10%
  

The expense ratios (net) for them are 0.035%, 0.09%, 0.11% and 0.06% in that order. I wasn't sure about how to choose the fund, so I just select some large cap, international etc based on the 401k selection guide on reddit. However, there is also the target date fund, with exp ratio (net) of 0.09%.

What do you all think about my current situation? What am I doing wrong/right and anything to correct/adjust/improve? Or should I just ditch all and put all of them (100%) into the target date fund? (VANG INST TR 2060 - VILVX)

Thank you!

EDIT for symbols/tickers.