Best way to diversify my 401k....?

Not the most intelligent investor here, but I've been getting the shit kicked out of me (as have most others) when it comes to my 401k.

 

Just looking for some advice on possibly the best way to distribute my money.  I'm 31 have a wife and two kids (5 & 1) and am currently putting in 10% of my pre-tax income.  Any help would be welcomed....

 

It was worth a good laugh to read your shit, Jax.....

Set 33% on fire
Tear up 33%
Flush 33% down the toilet
Ride this out with the other 1%

 

 

 

hahahahaha    

here is a straight answer to your question... find a professional that can implement modern portfolio theory into your 401(k). it works. the market is down over 20% in the last year and my portfolio is down only 6%. I am conservative but my ups and downs will be limited compared to the market over all.