401K @ ING Retirement

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401K @ ING Retirement

Postby elysia » Thu Nov 18, 2010 5:17 pm

I guess I need to add to this. EF, yes I have one, it's not 3-6 months of expenses. Debt, yes I have debt. I'm contributing to the 401k because of the employer match (2.5% up to the first 5% I contribute), just enough to maximize the match until I pay off all debt. After that I'd probably have a different set of investing questions.
Tax Status: Married filing jointly (2 minor children)
Tax Rate: Around 12%
Age: 39
Desired allocation: I am not sure
Reasonably risk tolerant, 5 figure portfolio for HER 401kaccount,
HIS Retirement account: six figure (we do not control the allocation of, company funds it).
HER IRA 13k @ MFS.

Can anyone advise how to allocate my 401k? I have no choice, company 401k is with ING Retirement plans. Currently:
0496 American Funds EuroPacific R3 17.59%
0778 ING FMR Diversified Md Cp Port Srv 30.44%
1332 Pioneer Equity Income Fund - Y4 29.92%
1582 Pioneer Fund - Class Y 22.05

I keep reading about index funds being the way to go -- yes? no? Here are my options:

Fund Name
0003 ING Money Market Portfolio I:
Gross Prosp Exp Ratio 0.37% of fund assets
Net Prosp Exp Ratio 0.37% of fund assets
Management Fee 0.25%
12b-1 Fee .
Other Fee 0.01%
Miscellaneous Fee(s) 0.11%
Fund Inception Date 01-02-80
Total Fund Assets ($mil) 1,157.6

0050 ING BlkRck Sci & Tech Oppt Prt I
Gross Prosp Exp Ratio 1.07% of fund assets
Net Prosp Exp Ratio 1.05% of fund assets
Management Fee 0.95%
12b-1 Fee .
Other Fee 0.01%
Miscellaneous Fee(s) 0.11%
Fund Inception Date 05-01-00
Total Fund Assets ($mil) 337.7

0073 Franklin Sm Cap Val Sec Fd - 2
Gross Prosp Exp Ratio 0.98% of fund assets
Net Prosp Exp Ratio 0.96% of fund assets
Management Fee 0.52%
12b-1 Fee 0.25%
Other Fee 0.00%
Miscellaneous Fee(s) 0.21%
Fund Inception Date 01-06-99
Total Fund Assets ($mil) 1,254.2

0193 Pax World Balanced Fd Indiv Inv
Gross Prosp Exp Ratio 0.98% of fund assets
Net Prosp Exp Ratio 0.98% of fund assets
Management Fee 0.50%
12b-1 Fee 0.25%
Other Fee 0.02%
Miscellaneous Fee(s) 0.21%
Fund Inception Date 11-30-71
Total Fund Assets ($mil) 1,874.6

0294 UBS U.S. Small Cap Growth Fund - A
Gross Prosp Exp Ratio 1.68% of fund assets
Net Prosp Exp Ratio 1.41% of fund assets
Management Fee 0.85%
12b-1 Fee 0.25%
Other Fee 0.02%
Miscellaneous Fee(s) 0.56%
Fund Inception Date 12-31-98
Total Fund Assets ($mil) 127.5

0339 American Funds Nw Prspctv R3
Gross Prosp Exp Ratio 1.15% of fund assets
Net Prosp Exp Ratio 1.15% of fund assets
Management Fee 0.39%
12b-1 Fee 0.50%
Other Fee 0.01%
Miscellaneous Fee(s) 0.25%
Fund Inception Date 06-04-02
Total Fund Assets ($mil) 42,798.9

0341 American Funds Am Balancd R3
Gross Prosp Exp Ratio 0.97% of fund assets
Net Prosp Exp Ratio 0.97% of fund assets
Management Fee 0.24%
12b-1 Fee 0.50%
Other Fee 0.01%
Miscellaneous Fee(s) 0.22%
Fund Inception Date 06-04-02
Total Fund Assets ($mil) 48,206.0

0433 ING PIMCO Total Return Portfolio I
Gross Prosp Exp Ratio 0.63% of fund assets
Net Prosp Exp Ratio 0.62% of fund assets
Management Fee 0.50%
12b-1 Fee .
Other Fee 0.00%
Miscellaneous Fee(s) 0.13%
Fund Inception Date 05-01-02
Total Fund Assets ($mil) 1,166.2

0487 American Funds Growth Fnd R3
Gross Prosp Exp Ratio 0.99% of fund assets
Net Prosp Exp Ratio 0.99% of fund assets
Management Fee 0.28%
12b-1 Fee 0.50%
Other Fee 0.01%
Miscellaneous Fee(s) 0.20%
Fund Inception Date 05-21-02
Total Fund Assets ($mil) 151,280.9

0496 American Funds EuroPacific R3
Gross Prosp Exp Ratio 1.15% of fund assets
Net Prosp Exp Ratio 1.15% of fund assets
Management Fee 0.43%
12b-1 Fee 0.50%
Other Fee 0.00%
Miscellaneous Fee(s) 0.22%
Fund Inception Date 05-21-02
Total Fund Assets ($mil) 103,221.6

0741 ING Fixed Account
Asset Class: Stability of Principal

0778 ING FMR Diversified Md Cp Port Srv
Gross Prosp Exp Ratio 0.91% of fund assets
Net Prosp Exp Ratio 0.90% of fund assets
Management Fee 0.64%
12b-1 Fee 0.25%
Other Fee .
Miscellaneous Fee(s) 0.02%
Fund Inception Date 10-02-00
Total Fund Assets ($mil) 1,239.8

0833 PIMCO VIT Real Return Port -Admin Cl
Gross Prosp Exp Ratio 0.72% of fund assets
Net Prosp Exp Ratio 0.65% of fund assets
Management Fee 0.50%
12b-1 Fee .
Other Fee 0.00%
Miscellaneous Fee(s) 0.22%
Fund Inception Date 09-30-99
Total Fund Assets ($mil) 2,435.1

0936 Lazard Emerging Mkts Eqty Port Opn
Gross Prosp Exp Ratio 1.55% of fund assets
Net Prosp Exp Ratio 1.55% of fund assets
Management Fee 1.00%
12b-1 Fee 0.25%
Other Fee 0.00%
Miscellaneous Fee(s) 0.30%
Fund Inception Date 01-08-97
Total Fund Assets ($mil) 17,374.5

1095 Davis New York Venture Fund R
Gross Prosp Exp Ratio 1.32% of fund assets
Net Prosp Exp Ratio 1.32% of fund assets
Management Fee 0.49%
12b-1 Fee 0.50%
Other Fee 0.00%
Miscellaneous Fee(s) 0.33%
Fund Inception Date 08-20-03
Total Fund Assets ($mil) 31,591.5

1164 ING Index Solution 2055 Port Adv
Gross Prosp Exp Ratio 1.06% of fund assets
Net Prosp Exp Ratio 1.06% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.46%
Fund Inception Date 03-08-10
Total Fund Assets ($mil) 2.1

1205 Allianz NFJ Dividend Value Fund Inst
Gross Prosp Exp Ratio 0.73% of fund assets
Net Prosp Exp Ratio 0.73% of fund assets
Management Fee 0.71%
12b-1 Fee .
Other Fee 0.00%
Miscellaneous Fee(s) 0.02%
Fund Inception Date 05-08-00
Total Fund Assets ($mil) 6,731.3

1235 Pioneer Mid Cap Value Fund - Y
Gross Prosp Exp Ratio 0.95% of fund assets
Net Prosp Exp Ratio 0.95% of fund assets
Management Fee 0.76%
12b-1 Fee .
Other Fee 0.01%
Miscellaneous Fee(s) 0.18%
Fund Inception Date 07-02-98
Total Fund Assets ($mil) 1,506.6

1332 Pioneer Equity Income Fund - Y
Gross Prosp Exp Ratio 0.75% of fund assets
Net Prosp Exp Ratio 0.75% of fund assets
Management Fee 0.60%
12b-1 Fee 0.00%
Other Fee 0.01%
Miscellaneous Fee(s) 0.14%
Fund Inception Date 07-02-98
Total Fund Assets ($mil) 894.2

1380 Turner Core Growth, Inv
Gross Prosp Exp Ratio 1.17% of fund assets
Net Prosp Exp Ratio 0.94% of fund assets
Management Fee 0.60%
12b-1 Fee .
Other Fee 0.01%
Miscellaneous Fee(s) 0.56%
Fund Inception Date 08-01-05
Total Fund Assets ($mil) 543.4

1425 Loomis Sayles Bond Fund - Retail
Gross Prosp Exp Ratio 0.95% of fund assets
Net Prosp Exp Ratio 0.95% of fund assets
Management Fee 0.52%
12b-1 Fee 0.25%
Other Fee 0.00%
Miscellaneous Fee(s) 0.18%
Fund Inception Date 12-31-96
Total Fund Assets ($mil) 19,692.8

1535 ING Index Solution 2015 Port Adv
Gross Prosp Exp Ratio 1.05% of fund assets
Net Prosp Exp Ratio 1.05% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.45%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 154.4

1538 ING Index Solution 2025 Port Adv
Gross Prosp Exp Ratio 1.04% of fund assets
Net Prosp Exp Ratio 1.04% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.44%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 169.7

1541 ING Index Solution 2035 Port Adv
Gross Prosp Exp Ratio 1.05% of fund assets
Net Prosp Exp Ratio 1.05% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.45%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 119.3

1544 ING Index Solution 2045 Port Adv
Gross Prosp Exp Ratio 1.06% of fund assets
Net Prosp Exp Ratio 1.06% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.46%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 60.4

1547 ING Index Solution Inc Portfolio Adv
Gross Prosp Exp Ratio 1.05% of fund assets
Net Prosp Exp Ratio 1.05% of fund assets
Management Fee 0.10%
12b-1 Fee 0.50%
Other Fee .
Miscellaneous Fee(s) 0.45%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 176.7

1560 ING Russell Mid Cap Index Port I
Gross Prosp Exp Ratio 0.43% of fund assets
Net Prosp Exp Ratio 0.43% of fund assets
Management Fee 0.31%
12b-1 Fee .
Other Fee 0.00%
Miscellaneous Fee(s) 0.12%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 1,473.9

1563 ING Russell Sm Cp Index Port I
Gross Prosp Exp Ratio 0.48% of fund assets
Net Prosp Exp Ratio 0.46% of fund assets
Management Fee 0.33%
12b-1 Fee .
Other Fee 0.00%
Miscellaneous Fee(s) 0.15%
Fund Inception Date 03-10-08
Total Fund Assets ($mil) 709.6

1582 Pioneer Fund - Class Y
Gross Prosp Exp Ratio 0.71% of fund assets
Net Prosp Exp Ratio 0.71% of fund assets
Management Fee 0.61%
12b-1 Fee 0.00%
Other Fee 0.01%
Miscellaneous Fee(s) 0.09%
Fund Inception Date 05-06-99
Total Fund Assets ($mil) 6,186.4

I was notified that in December
American Funds Growth Fund of America R3 will be replaced by Fidelity Advisor New Insights T. I do NOT have information on the new account yet.

I hope this is enough information. I really need help and company advisors for 401k seem bent on pushing whole life insurance, which is a bad idea for me at this point. My credit union offers financial advising but all the advisor can tell me is that I'm "growth oriented" and has no recommendations for this, also recommendations from her seem limited to MFS. Any suggestions most appreciated!
Last edited by elysia on Thu Nov 18, 2010 6:07 pm, edited 2 times in total.
elysia
 
Posts: 1
Joined: Thu Nov 18, 2010 5:08 pm

Postby centrifuge41 » Thu Nov 18, 2010 5:20 pm

HI elysia,

Welcome to Bogleheads! Would you be able to go through and list expense ratios for the funds? You can edit your original post to do so.

Additionally, it's hard to make recommendations in isolation of your goals, tolerance of risk, and other assets, so if you have the time, please go ahead and see if you can edit your first post so that it is in the recommended format. Thanks and cheers!
centrifuge41
 
Posts: 997
Joined: Mon May 17, 2010 10:04 am


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