It’s difficult to answer this question, as it is subjective. Rather than too aggressive or too conservative, let's think of it as: Does the investment match the investor's risk profile? Is it a balanced mix that is "risk" appropriate for that individual?
If a person has a high risk-tolerance, that doesn't mean they should have all of their money in one of the high-risk funds in the plan, such as the "Commodities Index Fund." Investors need to diversify their investments. The "To-Go" funds are diversified for you, so by selecting one fund, you have a variety of investments in a "ready-made" portfolio.
There are five levels of risk with the "5-To-Go" being conservative and the "45-To-Go" being aggressive. If you select from the Tier 2 and/or Tier 3 investment choices, you should probably pick a few to several of these funds to diversify your portfolio among different asset classes. Think of the old saying, "Don't put all of your eggs in one basket." Spreading your investment dollars over various mutual funds can help you to mitigate risk.
For details about the 401(k) Plan and investment options, go to HCAGHR.com, click Benefits, and click on BConnected.
Remotiv is not affiliated with HCA Healthcare and is a private company hired to provide independent investment education. All responses are intended to be educational in nature and should not be considered advice.