mmakerbh wrote:Target Allocation: 35% - US stocks, 45% - Intl stocks, 20% - bonds.
Given your target AA, you might as well go 100% in this:
Capital Income Builder (CAIBX
) ER 0.66
This is an interesting balanced fund that is pretty close to your AA. It has more international stocks than US stocks, and is around 20% bonds and 5% cash according to Morningstar. Tilts to large cap value. This probably wouldn't be the first choice for many Bogleheads but the American Funds lineup doesn't seem to have many vanilla offerings.
Other options might be:
The Growth Fund of America ER 0.68 - large growth, US (mostly) and Intl. A huge fund often said to be a "closet index fund" because it has such huge assets
PIMCO Total Return A ER 0.85 - a bond fund that you see in MANY 401(k) plans
Fundamental Investors (ANCFX) ER 0.66 - large blend US & Intl stock fund
American High-Income Trust (AHITX) ER 0.72 - high-yield corporate bonds; don't over-use
I wouldn't touch the others because of high ER.