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My wife's 401(k) just changed some 401(k) funds, and have added Fidelity Freedom Target Funds. I am thinking we will move to one of these, as most of the other options are unacceptable.
There is a choice between A shares and T shares of these funds. I understand A shares have an upfront load (don't get me started), but I don't get what T shares are in a 401(k).
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T shares have a higher expense ratio for the fidelity advisor freedoms. About 25 bps more than the A. Also worth noting the T shares have a load too. A shares = 5.75, T= 3.50.
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Many decent size 401k plans waive the loads, so that's something I'd confirm. They make plenty on the revenue sharing that the fund companies will kick over to the plan administrator.
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