This About.com article includes some well-thought 401(k) suggestions:
- Diversify
- Avoid Stock Up (in your employer's stock to avoid concerntration)
- Size Does Matter (over the long run,small-caps overperforms large-caps)
- Think Globally (to get better result and hedge again exchange rate risk)
- What's On The Outside Counts (consider 401(k) as part of your total portfolio and think holistically)
- Hidden Fees (even though employers take most of the fees, 401(k) investments may still incur early-redemption fees, 12b-1 fees; expense ratio will cost you too)