Savvy wrote:For reference, both our Roths are at Vanguard and my 401(k) is with Fidelity so lots of flexibility in those accounts.
Her 401(k) choices have a Total Bond Fund with ER of 0.98, a few Int'l Stock funds with ER of 1.25 - 1.50, and the Target Retirement funds with ER of 1.2 - 1.3. The lowest ER (besides MM) are 0.95 for Balanced Fund and 0.98 for Total Bond Fund. Not much to choose from.
Given that, I'd use the Total Bond Fund (0.98%) to avoid the balanced fund. It's only 0.03% more.
Thanks Duckie. Now that I am home and looking at the info online I see they added a few funds from our pamphlet and ERs have slightly changed. Here's the full list (with ER):
-- EuroPacific Growth Fund (1.14) RERCX
-- SMALLCAP World Fund (1.42) RSLCX
-- The Growth Fund of America (0.98) RGACX
-- Capital World Growth and Income Fund (1.10) RWICX
-- The Investment Company of America (0.98) RICCX
-- Capital Income Builder (0.98) RIRCX
-- American Balanced Fund (0.95) RLBCX
-- Short-Term Bond Fund of America (1.03) RAMCX
-- The Bond Fund of America (0.92) RBFCX
-- American Funds Money Market Fund (0.52) RACXX
-- American Funds 2055 Target Date Retirement Fund (1.34) RCMTX
-- American Funds 2050 Target Date Retirement Fund (1.22) RCITX
-- American Funds 2045 Target Date Retirement Fund (1.22) RCHTX
-- American Funds 2040 Target Date Retirement Fund (1.21) RCKTX
-- American Funds 2035 Target Date Retirement Fund (1.20) RCFTX
-- American Funds 2030 Target Date Retirement Fund (1.19) RCETX
-- American Funds 2025 Target Date Retirement Fund (1.19) RCDTX
-- American Funds 2020 Target Date Retirement Fund (1.16) RCCTX
-- American Funds 2015 Target Date Retirement Fund (1.14) RCJTX
-- American Funds 2010 Target Date Retirement Fund (1.13) RCATX