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Investment Election for 401k
Posted on 2/8/20 at 7:40 am
Posted on 2/8/20 at 7:40 am
Trying to decide what funds to use for my 401k plan. I'm 25 years old putting $~15k in a year. Here are the available funds with my plan. Any advice on which funds I should use and a percentage for each is highly appreciated.
FUND NAME
Wells Fargo Stable Value Fund C (30)
Metropolitan West Total Return Bd I
Vanguard Total Bond Market Index Adm
Oakmark Equity And Income Investor
Dodge & Cox Stock
Vanguard 500 Index Admiral
JPMorgan Large Cap Growth A
Vanguard Selected Value Inv
T. Rowe Price Mid-Cap Growth
Boston Partners Small Cap Value II Inv
Janus Henderson Triton N
Invesco Oppenheimer Global Opports Y
American Funds Europacific Growth R6
Invesco Oppenheimer Developing Markets Y
FUND NAME
Wells Fargo Stable Value Fund C (30)
Metropolitan West Total Return Bd I
Vanguard Total Bond Market Index Adm
Oakmark Equity And Income Investor
Dodge & Cox Stock
Vanguard 500 Index Admiral
JPMorgan Large Cap Growth A
Vanguard Selected Value Inv
T. Rowe Price Mid-Cap Growth
Boston Partners Small Cap Value II Inv
Janus Henderson Triton N
Invesco Oppenheimer Global Opports Y
American Funds Europacific Growth R6
Invesco Oppenheimer Developing Markets Y
8
Posted on 2/8/20 at 7:52 am to reds on reds on reds
95% Vanguard 500 Admiral
5% Vanguard Total bond.
Not sure what the expense fees are on any of those international funds but you could take 5% from domestic stocks and put it there if reasonable.
5% Vanguard Total bond.
Not sure what the expense fees are on any of those international funds but you could take 5% from domestic stocks and put it there if reasonable.
Posted on 2/8/20 at 9:57 am to TheWiz
100% Vanguard S&P
What's that 5% bond allocation supposed to do for him at this point?
What's that 5% bond allocation supposed to do for him at this point?
Posted on 2/8/20 at 12:43 pm to reds on reds on reds
quote:
Vanguard 500 Index Admiral
Posted on 2/8/20 at 1:17 pm to TigerintheNO
500 index
Posted on 2/8/20 at 1:49 pm to TorchtheFlyingTiger
I don't know. I'm a three fund portfolio kind of guy, but I didn't see a third option.
Posted on 2/8/20 at 3:46 pm to TorchtheFlyingTiger
Is the 500 index admiral better than the targeted retirement year funds?
Posted on 2/8/20 at 4:03 pm to reds on reds on reds
I would go 50% index, meaning the Vanguard 500 and 50% actively managed and diversified, so would go with Dodge & Cox Stock Fund. Stay 100% in stocks until you are 8 years from when you want to retire.
Index many times outperforms, but in some years, like last year, managed may outperform.
Index many times outperforms, but in some years, like last year, managed may outperform.
Posted on 2/8/20 at 5:58 pm to Upperdecker
quote:
Is the 500 index admiral better than the targeted retirement year funds?
Yes, the targeted have exposure to bonds and International, which imo will continue to underperform
Posted on 2/9/20 at 10:18 am to reds on reds on reds
It may not match your investing temperament, but at your age, put at least 3/4 of your investments in some low fee aggressive and international funds (QQQ, IHDG, etc.) and let it ride. (IHGD is not considered risky by Morningstar.) You can get more conservative when you are nearer to retirement.
Posted on 2/9/20 at 11:18 am to reds on reds on reds
100% in Vanguard 500 Index Admiral and go fishing
Posted on 2/9/20 at 11:34 am to reds on reds on reds
quote:
Vanguard 500 Index Admiral
If you're not trying to hedge and want a "fire and forget" for decades until you're in a ~3-year window from retirement, this is the winner on this menu.
Posted on 2/9/20 at 2:31 pm to reds on reds on reds
quote:
Trying to decide what funds to use for my 401k plan. I'm 25 years old putting $~15k in a year.
Congrats baw. Up that to the max over the next couple years (or as soon as you can), put it all in that 500 fund and then retire rich in 30 years.
Posted on 2/9/20 at 2:36 pm to reds on reds on reds
At age 25, I agree that the majority should go into an S&P 500 fund (Vanguard is always a good option), but having some mid cap, small cap and EM wouldn't hurt you. I was several years older than you when I went with a 70/10/10/10 mix in those categories. Maybe not optimal at all times, but it's worked out well enough. Unfortunately, I don't see much on that list that I care for (from a fund or fund co. standpoint). Maybe take a look at the fees and performance of the T. Rowe Price mid cap. But other than the Vanguard, that's all I see that would interest me.
So many of the funds offered in 401Ks are fee happy underperformers (relative to their higher quality peers).
So many of the funds offered in 401Ks are fee happy underperformers (relative to their higher quality peers).
Posted on 2/9/20 at 4:45 pm to Ace Midnight
I have nothing against index funds and have 25% of my retirement in one but there are funds that consistently outperform the S&P 500. If you have one of these available in your 401k, I think it would be wise to put a certain % in it.
In my 401k, Fidelity Growth Company comes to mind - FDGRX. Below is its performance vs an S&P index fund (in parenthesis) over the past 15 years.
1 yr return - 34.02% (25.44)
5 yr 16.91 (12.32)
10 yr 18.19 (14.32)
15 yr 13.20 (9.23)
In my 401k, Fidelity Growth Company comes to mind - FDGRX. Below is its performance vs an S&P index fund (in parenthesis) over the past 15 years.
1 yr return - 34.02% (25.44)
5 yr 16.91 (12.32)
10 yr 18.19 (14.32)
15 yr 13.20 (9.23)
This post was edited on 2/9/20 at 5:01 pm
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