Dreyfus Government Cash Management

What are my options for my new employer. They correspond to a dollar for dollar the first 5% (not bad). I just turned 26.

1. Fidelity Cash Management Prime Fund: Class daily money
2. FA II portfolio of stable value
3. FA Government Income Fund Class T
4. T FA Strategic Income Fund Class
5. Legg Mason Partners Global High Yield Bond Fund Class T
6. Income Class Equity Fund T FA
7. Evergreen Special Values Fund Class A
8. Dreyfus S & P 500 Index Fund
9. AF Lever Company Stock Fund Class T
10. T FA New Insights Fund Class
11. Van Kampen Capital Growth Fund Class A
12. FA Mid Cap II Fund Class T
13. FA Small Cap Fund Class II T
14. FA Diversified International Fund Class T
15. FA Power Fund Class T
16. FA Freedom Income Fund Class T
17. FA Freedom 2050 Class T (my target year)

The plan administrator should have someone available to help you with this for free. They will help you determine your risk profile and goals and appropriate investment.

Put at least 50% in a stable value fund.
You never know what the market will do in the next year - and you do not want to risk everything.

Dreyfus Index Fund follows the S & P - high risk, but do put a little of that.
After all, you do not want to be completely out of the market.
But please put in the more stable value funds - it will give you peace of mind for your money is safe.
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You have another 40 years to invest and manage your funds. I'm at the opposite end, very close to retirement. Your goals and mine must be very different. My funds are mostly in "safe" investments such as high grade bonds. I want to protect my property.

At your age, you should (my opinion) be more interested in the growth of your fund. You need to examine the holdings of each fund. Are they invest mainly in bonds, stock securities, blue chip stocks, stocks of energy technology. The prospectus (they had to make available to you, or you can probably find them online. She said the fund's investment philosophy, and also show the results, usually for one year, three years, five years and life the Fund.

Personally, I recommend you stay away from funds that earn income from bonds.

I also I suggest that whenever you get a raise, put part of it to your 401k. For example, if you get an increase of 3%, your 401k 1% percent. it will really grow your 401k. I am now putting in 12% and my company is to 5%. It accumulates very quickly.

I disagree with Judy. Depending on your tolerance for risk, with 40 + years of investing ahead of you, you have plenty of time to recover if markets "reservoir" of next year. "Since the money that does not live, you do not need" next year "(the period mentioned Judy), it should be" on the market, especially if the market declines, the best time to buy stocks is when they are "on sale".
Regarding the choice - you do not say if you know anything about investing or not (I assume, since you are not asking for help). Otherwise, a type of target retirement funds (such as freedom 2050) is generally a good choice because it covers the entire investment world, both nationally and internationally. But the fund, not a good rating while 52% Morningstar one statement per year (as shown at msn.com) is nothing to ignore. So I suggest you choose that one for 100% of your investment (I is a stable value fund and a bond fund.) As a beginning. Once you learn about investing, and can tell when a good fund is about to go wrong, you can adjust your investments to other (both within the 401K and IRA) the various funds to cover large-cap U.S. Small Cap U.S. Large Cap Foreign small cap, sector, bonds, etc. in a file.