401k allocation recommendations
I'm 35 and started saving into my 401k two yrs ago. My company uses Financial Engines for the 401k and its automatic recommendation tool is telling me to increase and decrease the amount I hold in certain funds. For example it's telling me to increase my bond holding from 5% to 11%, and decrease my large cap stock holding from 45% to 35% and so forth. I think it's taking my age and other factors into the recommendations (no kids, not married btw). Do I follow this automatic suggestion or keep it as it is?