401K Investment Help

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nada18
Posts: 1
Joined: Mon Feb 09, 2015 5:43 pm

401K Investment Help

Post by nada18 »

Hi,
I just started at company that matches 401K contribution and would like some advise regarding 401K investment options through Fidelity.

Emergency funds: 6 months
Debt: mortgage 3.25%
Tax Filing Status: Single
Tax Rate: 25% Federal, 5.75% State
State of Residence: VA
Age: 32
Desired Asset allocation: Not Sure
Desired International allocation: Not Sure
I feel comfortable doing 90/10 allocation in terms of stock/bonds (current Roth IRA setup); Not so certain how much should make up international.

Current retirement assets
Roth IRA at Vanguard
100% Target Retirement 2050 (vfifx) (0.18%)

Available funds
Name Gross Expense Ratio Shareholder Fees
FID BLUE CHIP GR (FBGRX) 0.8% No additional fees apply.
FID CONTRAFUND (FCNTX) 0.67% No additional fees apply.
FID DIVIDEND GR (FDGFX) 0.56% No additional fees apply.
FID EQ DIV INCOME (FEQTX) 0.63% No additional fees apply.
FID EQUITY INC (FEQIX) 0.66% No additional fees apply.
FID EXPORT & MULTI (FEXPX) 0.78% Short term trading fees of .75% for fee eligible shares held less than 30 days.
FID FIDELITY FUND (FFIDX) 0.53% No additional fees apply.
FID FIFTY (FFTYX) 0.83% No additional fees apply.
FID GROWTH COMPANY (FDGRX) 0.82% No additional fees apply.
FID LARGE CAP STOCK (FLCSX) 0.88% No additional fees apply.
FID OTC PORTFOLIO (FOCPX) 0.77% No additional fees apply.
SPTN TOT MKT IDX ADV (FSTVX) 0.07% Short term trading fees of .5% for fee eligible shares held less than 90 days.
FID GROWTH STRAT (FDEGX) 0.72% Short term trading fees of 1.5% for fee eligible shares held less than 90 days.
FID LOW PRICED STK (FLPSX) 0.82% Short term trading fees of 1.5% for fee eligible shares held less than 90 days.
FID MID CAP STOCK (FMCSX) 0.81% Short term trading fees of .75% for fee eligible shares held less than 30 days.
FID VALUE (FDVLX) 0.76% No additional fees apply.
FID VALUE STRAT (FSLSX) 0.69% No additional fees apply.
SPTN EXT MKT IDX ADV (FSEVX) 0.07% Short term trading fees of .75% for fee eligible shares held less than 90 days.
FID SM CAP DISCOVERY (FSCRX) 1.01% Short term trading fees of 1.5% for fee eligible shares held less than 90 days.
FID SMALL CAP VALUE (FCPVX) 1.09% Short term trading fees of 1.5% for fee eligible shares held less than 90 days.
FID DIVERSIFD INTL (FDIVX) 0.91% Short term trading fees of 1% for fee eligible shares held less than 30 days.
FID OVERSEAS (FOSFX) 1.02% Short term trading fees of 1% for fee eligible shares held less than 30 days.
FID REAL ESTATE INVS (FRESX) 0.8% Short term trading fees of .75% for fee eligible shares held less than 90 days.
FID FREEDOM 2005 (FFFVX) 0.57% No additional fees apply.
FID FREEDOM 2010 (FFFCX) 0.61% No additional fees apply.
FID FREEDOM 2015 (FFVFX) 0.64% No additional fees apply.
FID FREEDOM 2020 (FFFDX) 0.67% No additional fees apply.
FID FREEDOM 2025 (FFTWX) 0.72% No additional fees apply.
FID FREEDOM 2030 (FFFEX) 0.77% No additional fees apply.
FID FREEDOM 2035 (FFTHX) 0.78% No additional fees apply.
FID FREEDOM 2040 (FFFFX) 0.78% No additional fees apply.
FID FREEDOM 2045 (FFFGX) 0.78% No additional fees apply.
FID FREEDOM 2050 (FFFHX) 0.78% No additional fees apply.
FID FREEDOM 2055 (FDEEX) 0.78% No additional fees apply.
FID FREEDOM INCOME (FFFAX) 0.49% No additional fees apply.
FID PURITAN (FPURX) 0.56% No additional fees apply.
FID INTERMED BOND (FTHRX) 0.45% No additional fees apply.
FID INVST GR BD (FBNDX) 0.45% No additional fees apply.
FID SHORT TERM BOND (FSHBX) 0.45% No additional fees apply.
FID RETIRE MMKT (FRTXX) 0.42% No additional fees apply.

Thought of contributing to just Freedom funds but fees seem too high for my liking.
Is there other funds in that list that I should be investing in parallel to one i have in Roth IRA? Do you guys recommend going similar setup?
Thank you in advance for your kind advice.
JW-Retired
Posts: 7189
Joined: Sun Dec 16, 2007 11:25 am

Re: 401K Investment Help

Post by JW-Retired »

Don't pay high ERs when your have a low ER choice. Suggest for 401k:
90% SPTN TOT MKT IDX ADV (FSTVX) 0.07% Short term trading fees of .5% (you won't be doing short term trading)
10% FID INTERMED BOND (FTHRX) 0.45% No additional fees apply.

Total market is all the US equities you need. You can put lots of international in your Roth.
JW
Retired at Last
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