My 401k Mutual fund picks/ are these good? ADVICE!?

Below is what my employer has for our Mutual 401k. I contribute 10% to it which is then distributed throughout the different funds. are thses good funds? should i contribute more to one then the other? just wondering othere people expertice



Funds Aggressive Moderate Conservative
BLACKROCK S & P 500 INDEX FUND- 9%
HOTCHKIS AND WILEY LARGE CAP VALUE-9%
RS PARTNERS FUND - 18%
ING INTERNATIONAL VALUE FUND-24%
PIMCO TOTAL RETURN FUND-20%
INTEREST INCOME FUND-20%

im 21 so im looking for the long run

Are the percentages to the right the allocations you have to each fund? If they are you are maybe just a tad too aggressively allocated in my opinion.

RS Partners Fund is a small cap fund. It has a good record of performance but 18% allocation is maybe too aggressive. Maybe 10%-12% would be better but 18% is not unreasonable. ING International Value should perhaps also be reduced somewhat although that might be debatable. It is a good idea to have a portion of your funds invested in non-U S companies and 25% is not too much but it would be better to have it invested in two different international funds--one developed economies and one developing economies. ING fund represents only the former. The Pimco fund and the interest income fund are for all practical purposes the same sort--interest bearing instruments (debt instruments). I would eliminate one or the other. Pimco has a good record. Maybe allocate more to the S&P 500 fund--25%.

Is that all of the choices you have?

Conventional wisdom says that your allocation should depend on your age (time till retirement). If you are in your 20s, probably 90% should be in stock funds. If you are within 10 years of retirement, perhaps 50% should be.

In general, you want exposure to both domestic and foreign stocks, and investment grade bonds. They generally look OK except for the RS Partners fund - I'd stay out of that one - too new and too expensive.