The problem with giving 401(k) advice is that there is no way for me to know exactly what funds are available in your 401(k) without actually seeing your plan’s offerings. For example, it’s impossible for me to say that the Dodge & Cox Stock Fund (NASDAQMUTFUND: DODGX), a common 401(k) offering is a smart 401(k) fund for you. If that particular fund isn’t offered by your plan, this type of advice would be useless.