pingo wrote:It may be relative. Your 401k has the lowest ER of Pimco Total Return that I've ever come across and it's a very good bond holding even if it's not the first choice, academically-speaking. For that matter, your 401k offers the lowest costing iteration of the EuroPacific Growth fund, which is a great substitute for Vanguard Total International, when necessary.
But we'll need to see how the other thread progresses before it can be determined how clear the fund choices are for the portfolio(s).
The good news is that you've set things up nicely in your 401k. There's no need to change until or unless you come up with a plan that makes clear sense over what you have already chosen.
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