First post here
I'm trying to see how I can best implement the three-fund portfolio in my companies 401k plan. The three funds suggested by this site are:
Vanguard Total Stock Market Index Fund (VTSMX)
Vanguard Total International Stock Index Fund (VGTSX)
Vanguard Total Bond Market Fund (VBMFX)
I initially thought I would mimic the suggested portfolio by using these three funds:
FSTVX Spartan® Total Market Index Fund - Fidelity Advantage Class (expense ratio .07)
FSIVX Spartan® International Index Fund - Fidelity Advantage Class (expense ratio .12)
FXSTX Spartan® U.S. Bond Index Fund - Institutional Class (expense ratio .07)
If I understand correctly, FSIVX doesn't really have as much exposure to emerging markets as VGTSX does. Should I do a mixture of FSIVX and FPMAX, the Spartan® Emerging Markets Index Fund - Fidelity Advantage Class (expense ratio .22)? Or do you think its sufficient to just do FSIVX by it self.
Also in regards to my bond exposure, If I understand correctly, FXSTX doesn't have any exposure to foreign bonds, unlike VBMFX. Should I instead choose FSGDX Spartan® Global ex U.S. Index Fund - Fidelity Advantage Class (expense .18)? Or should I do a combination of the two funds, or should I consider using the Fidelity Total Bond Fund, FTBFX, (expense .45)?
I appreciate the help. Thanks everyone.