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## Understanding 401K Allocation and Seeking Guidance

Hello, IÔÇÖm having a hard time understanding most every thread regarding 401K allocation. Places specified to allocate such as, ÔÇ£VanguardÔÇØ and ÔÇ£StocksÔÇØ do not directly appear in the allocation options I am given on my ADP screen, nor am I making nearly as much as anyone I see talking about this. I am looking for any and all guidance, my information is as follows:

IÔÇÖve been investing since December 2023. I was investing 1% without knowing, and moved to 7% mid February. Allocated 4% to Roth, and 3% to traditional.

I donÔÇÖt have an HR department to educate me on these things, so I assumed, incorrectly, that only my traditional allocation would be matched by my employer. I will be switching this to 4% Traditional, 3% Roth. This month I had 3 paychecks, so for my middle check I put 5% to each, and plan to invest extra whenever I can in an attempt to catch up.

32 years old in July.

$63,000(est) annual salary. $2387.00 gross pay 80hrs

100% up to 4% Employer Match

Currently invested into Traditional – $381.92

Currently invested into Roth – $310.31

Currently matched by employer – $405.79

I have no idea where my employer match was allocated to. ADP also says I have $788.50 invested, and the simple math tells me it should be around 1,098.02. I seriously do math for a living, and I canÔÇÖt comprehend any of this.

Currently 100% of my invested funds are in a T.Rowe Price Retirement 2055 Fund – Class R. It also says I have allocated 0% of my retirement.

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