re: 2018 ytd 401k rates of return thus far- post them along with allocation

Good point. I may have been trying to outthink the room when I was setting it up. I'll take a look at it again in December. Regardless, all doing fairly well right now.

9.7% YTD

31% Domestic Large Cap
36& Domestic Mid Cap
12% Domestic Index Fund
11% Company specific stock
5% Vanguard
5% - International index (moved a chunk from here back in May to Company Specific above)

If my company uses vanguard for retirement, what are the best funds to allocate it to? I have some in the target date then about 30 in S&P, 10 each in mid, small and real estate.

If you're North of $10k in each of those you mentioned and there's a comparable Admiral Fund, then you could at least start there to save on fees.

Thanks

My employer uses Fidelity - if you take the time and effort, you can roll out of the standard investments into a brokerage link account...and the investment world is open to you.

As Ferris would say, “it is so choice”.

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My employer uses Fidelity - if you take the time and effort, you can roll out of the standard investments into a brokerage link account...and the investment world is open to you.

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Yeah brokerage account options are becoming more popular. It's great for people who have some basic understanding of investing. It's a disaster for the typical employee.

Are you limited on what can be purchased in the brokerage account?

I see leveraged ETFs aren't allowed. I'd imagine there are some other ETFs that don't make it on the platform, even if they aren't explicitly excluded in those other categories.