3. Jen is earning her degree at the local community college and just got promoted to fulltime status at her work. She is now eligible to participate in the company’s 401(k) plan.

Her company will match her 401(k) contribution up to 6% of her pretax income, but Jen is not sure she can do without 6% of her income because she is paying her way through college.

Jen knows that you are taking this personal finance class, and she asks for your help and advice. Her company uses Fidelity funds for its 401(k) plan. Research the funds at www.fidelity.com and make a recommendation for Jen. Support your answer. Be sure to look at historical performance, the expense ratio, the fund manager, and the Morningstar Style Box when considering the fund, if any, in which she should invest.