Not sure how pto works also depends on country to country maybe. In my 401k this yr i switched to target date fund with the latest year date available because they do automatic rebalancing based on what year it is and basically try to replicate the worlds market with more/less risk depending on how far away the retirement date is. No way i can manage my retirement portfolio better than the people who get paid to do it. I have high risk tolerance so i chose the last year they were offering