Dear Bogleheads:
Just recently switched my employment with a new 401k account at Fidelity (decided not to rollover my old 401k accounts).
When talking about portfolio, one might need to look at all accounts overall. But I just want to treat this new 401k as individual one now for easy management and funds selection.
Currently I selected target 2040 retirement fund (the 1st one below) with expense ratio 0.29%.
I found 2-5 (no plan specific option) have very low expense ratio (0.02% to 0.04%). If I mimic VFORX (Vanguard Target Retirement 2040 Fund) as example, roughly as below by google the fund:
46% US Stock: FID 500 INDEX (FXAIX)/FID MID CAP IDX (FSMDX)/FID SM CAP IDX (FSSNX)
29% Intl stock: FID INTL INDEX (FSPSX)
25% bond: FID US BOND IDX (FXNAX)
For total ~46%, how much should be for each of the Large/Mid/Small Cap? I am unable to figure out and please help to advise.
Also please help to advise if the selection of low expense ratio funds, and the 46%/29%/25% portfolio are reasonable.
Thank you !
Name Benchmark Category Gross Expense Ratio Asset ClassPlan-specific option
Various Principal Life Time HYBRID S&P Target Date N/A 0.29% Blended InvestmentYes
FID 500 INDEX (FXAIX) S&P 500 Large Cap 0.02% Stock InvestmentsNo
FID MID CAP IDX (FSMDX) Russell MidCap Mid-Cap 0.03% Stock InvestmentsNo
FID SM CAP IDX (FSSNX) Russell 2000 Small Cap 0.03% Stock InvestmentsNo
FID INTL INDEX (FSPSX) MSCI EAFE (Net MA)International 0.04% Stock InvestmentsNo
FID US BOND IDX (FXNAX) BBg US Agg Bond Income 0.03% Bond InvestmentsNo
AB US LG CP GR CIT W Russell 1000 GrowthLarge Cap 0.37% Stock InvestmentsYes
COL DIVIDEND INC I3 (CDDYX)Russell 1000 Large Cap 0.55% Stock InvestmentsYes
HTFD CORE EQUITY R6 (HAITX)S&P 500 Large Cap 0.36% Stock InvestmentsYes
J H ENTERPRISE U Russell MidCap Growth Mid-Cap 0.48% Stock InvestmentsYes
VICTORY S EST VAL R6 (VEVRX)Russell MidCap ValueMid-Cap 0.54% Stock InvestmentsYes
TRP QM US SM-CP GR (PRDSX)MSCI US Sm Cap GroSmall Cap 0.80% Stock InvestmentsNo
VICTORY S SM CO OP I (VSOIX)Russell 2000 ValueSmall Cap 0.89% Stock InvestmentsYes
FID OVERSEAS K (FOSKX) MSCI EAFE (Net MA)International 0.59% Stock InvestmentsYes
PUTNAM STABLE VALUE ICE BA US 3-Mo Trea Bill Stable Value0.37% Bond InvestmentsYes
BLKRK CORE BOND K (CCBBX)BBg US Agg Bond Income 0.44% Bond InvestmentsYes
Just recently switched my employment with a new 401k account at Fidelity (decided not to rollover my old 401k accounts).
When talking about portfolio, one might need to look at all accounts overall. But I just want to treat this new 401k as individual one now for easy management and funds selection.
Currently I selected target 2040 retirement fund (the 1st one below) with expense ratio 0.29%.
I found 2-5 (no plan specific option) have very low expense ratio (0.02% to 0.04%). If I mimic VFORX (Vanguard Target Retirement 2040 Fund) as example, roughly as below by google the fund:
46% US Stock: FID 500 INDEX (FXAIX)/FID MID CAP IDX (FSMDX)/FID SM CAP IDX (FSSNX)
29% Intl stock: FID INTL INDEX (FSPSX)
25% bond: FID US BOND IDX (FXNAX)
For total ~46%, how much should be for each of the Large/Mid/Small Cap? I am unable to figure out and please help to advise.
Also please help to advise if the selection of low expense ratio funds, and the 46%/29%/25% portfolio are reasonable.
Thank you !
Name Benchmark Category Gross Expense Ratio Asset ClassPlan-specific option
Various Principal Life Time HYBRID S&P Target Date N/A 0.29% Blended InvestmentYes
FID 500 INDEX (FXAIX) S&P 500 Large Cap 0.02% Stock InvestmentsNo
FID MID CAP IDX (FSMDX) Russell MidCap Mid-Cap 0.03% Stock InvestmentsNo
FID SM CAP IDX (FSSNX) Russell 2000 Small Cap 0.03% Stock InvestmentsNo
FID INTL INDEX (FSPSX) MSCI EAFE (Net MA)International 0.04% Stock InvestmentsNo
FID US BOND IDX (FXNAX) BBg US Agg Bond Income 0.03% Bond InvestmentsNo
AB US LG CP GR CIT W Russell 1000 GrowthLarge Cap 0.37% Stock InvestmentsYes
COL DIVIDEND INC I3 (CDDYX)Russell 1000 Large Cap 0.55% Stock InvestmentsYes
HTFD CORE EQUITY R6 (HAITX)S&P 500 Large Cap 0.36% Stock InvestmentsYes
J H ENTERPRISE U Russell MidCap Growth Mid-Cap 0.48% Stock InvestmentsYes
VICTORY S EST VAL R6 (VEVRX)Russell MidCap ValueMid-Cap 0.54% Stock InvestmentsYes
TRP QM US SM-CP GR (PRDSX)MSCI US Sm Cap GroSmall Cap 0.80% Stock InvestmentsNo
VICTORY S SM CO OP I (VSOIX)Russell 2000 ValueSmall Cap 0.89% Stock InvestmentsYes
FID OVERSEAS K (FOSKX) MSCI EAFE (Net MA)International 0.59% Stock InvestmentsYes
PUTNAM STABLE VALUE ICE BA US 3-Mo Trea Bill Stable Value0.37% Bond InvestmentsYes
BLKRK CORE BOND K (CCBBX)BBg US Agg Bond Income 0.44% Bond InvestmentsYes
Statistics: Posted by fred2017 — Wed Sep 04, 2024 12:51 am — Replies 0 — Views 27