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    Should I manage my own 401(k)?

    @neari Then keep the TDF. The US market has outperformed the Intl for the last 10-15 years, but there's no telling if it will continue. Intl market has outperformed the US at different time periods. TDF is the best "leave it alone" fund there is.
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    Should I manage my own 401(k)?

    @neari What do you want from your investment? Be more aggressive (VOO), or be more diversified (TDF)
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    My 401K has a YTD of -98.87%

    @cayamaka Read your emails. There would be multiple about a change in company, or a transfer into a different fund. Sometimes they change funds to cheaper ones of the same/similar allocation.
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