re: Want to be 401K millionaire. Is it doable at this point?

Dave Ramsey recommends the same asset allocation for everyone which is mind boggling. I believe it is 25%large cap growth & income 25% large cap growth 25% aggressive growth and 25%international. That is 100% stocks and 0 bonds. Then he goes on to say don’t worry about paying front-end sales loads, just focus on investing the dollars. Dave isn’t even securities licensed. I like his message on debt, but his one size fits all investment advice is bad

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Dave Ramsey

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Unless i'm mistaken, I think his point is that it is pretty awful advice for someone to say that everyone no matter what should be invested in this portfolio mix, regardless of age, risk tolerance, etc. I'd also rarely expect any adviser to recommend a 100% stock portfolio as their "standard" portfolio.

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BTW, no match since 2012 for managers.

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I would do something outside of the employer plan, then. Unless the costs are insanely low, and even then.

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With catchup contributions can I make it?

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At 50, you can start to make an additional $5k per year, but that will only add about $40k to tax-preferential contributions to your target date of age 58.

Is there a pension? Because, let's assume you can get to $500k by 58 - that just isn't enough, IMHO. Hell, a million might not be enough, but with a pension, there is at least leverage.

Otherwise, you're going to be working at least until your 60s and early SS eligibility, again, IMHO.

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Yeah, I'm ~20% in international and that's probably too much. 10 to 15 is probably more reasonable and I look to adjust that later this year. I'm going to split that extra 5 to 10 into either REIT or maybe extra large cap.

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For the once in a decade time that internationals outperform domestic, I’m not willing to give up my domestic #gainz

I do hold international as a hedge more than anything

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So i guess my target date with 90% stocks is like a bank account huh?

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Which one are you in if you don't mind me asking?

Vttsx is 90/10

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I have a dumb question though.

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Actually not dumb.

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Even though I rebalanced the mix I’m investing in 401K now, 90 something % is still in 2035 TD fund.

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Yeah, you want to do interfund transfers. Changing your contribution numbers just redirects new money every payday. Look for options to rebalance across the funds and you should be able to do that. You might not be able to make unlimited ones with no penalty or fees, but a quarterly rebalancing should be possible (no promises, though, your situation may be different).

Use the help desk if necessary (I'm assuming you manage your portfolio through a web portal).