How should i divide up my money for my 401(k) plan?? I am a single mom 33yrs. old.?

Here are my options: Stable Value, Bond Fund, Conservative Stock/Bond, Moderate Stock/Bond, Total Stock Market Index, S&P 500 Index, Large Company Stock, International Stock, S&P Midcap 400 Index, Mid-Size Company Stock, Russell 2000 Index, And Company Stock (from my workplace)

You have several decades to go before retirement, so you need most invested in stocks for long term gain. If you want to keep it simple, put 40% in the Total Stock Market Index, 40% in the International Stock Index and 20% in an investment-grade bond fund. You can "tweak" the asset allocation a bit as you see fit.

This is what I would do. You need enough stock investments to keep up with inflation. So:

80% stock, 20% bonds (more conservative over time, from stocks to more bonds and cash)

25% Large Company stock
25% S&P 500 Index
20% mid-size company stock
10% International stock
20% Bond Fund

Also, make sure you establish a cash reserve such as a high yield savings account or money market account. Good luck.

Edit: 40% of International stock is way too much exposure. Currencies, economy political factors, and other unknowns affect international stocks.

The first guy is right, but you could do a little better... small & medium stocks often grow faster than the market, so you need to include those also..

20% -> Large Company Stock
20% -> Mid-Size Company Stock,
20% -> Russell 2000 index (small stocks)
20% -> International Stock
20% -> Bond Fund

now, your own company stock might be good... might not be good... for the 401k, I would stick with Funds. If your company offers a separate plan for getting their stock, like an employee purchase plan, then you can buy some of their stock that way if you'd like!

Finally, after a while, you'll sign into your 401k and you'll notice that your bond fund is only worth 16% of your whole account, and that maybe the mid-size company fund is worth 25%....

Every now and then, (at least once a year) you should go in and have them move the money around so that each of your 5 funds has exactly 20% of your money. they call this 'Rebalancing', and it keeps your whole account in about the right balance.

I agree with the answers from the previous postings but would like to add a couple of quick points. First, I would limit myself to no more then 10% to 15% in your company stock as anything above that could put you at more risk then is reasonable. Second, if you access to a financial advisor, you may want to have them review your 401(k) statements and see if there is anything you might need to change. There is usually a fee to do this. Depending on the value of your account you may want to do this on a quarterly or semi-annual basis. As long as you have a good plan in place the short-term volatility should be not be an issue. I hope everything works out for you.