first, please realize it is highly doubtful you would NOT change jobs by retirement date 2045. That being said, invest in diversified funds, capital research is excellent company for international, forget small cap they will not do well when interest rates rise and cut out the little guy, go with SP 500, do not go with any target fund or any bond fund because they drop with interest rates rising

I sugest the T Rowe and two others, 40%/30%/30%. It dosent matter much how you start because you get the match and the tax-exemption for YOUR contributions from day one. You can adjust your allocations later, if you wish.

These are my options. My employer matches 4%, I'd like to be a little more aggressive than what is recommended for a 2045 retire date. One did get cut off, it was an Oppenheimer international diversified N fund.