Fidelity 401K

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Timicranston
Posts: 11
Joined: Fri Aug 09, 2013 12:19 pm

Fidelity 401K

Post by Timicranston » Fri Aug 09, 2013 12:28 pm

My company has a Fidelity 401K. I would like to decide which of the funds/combinations of funds are best. I am maybe 25 yrs from retirement.

I welcome any comment on the following (date is start of fund):

AF GRTH FUND AMER R4 (RGAEX) 05/28/2002
AM CEN LG CO VAL INV (ALVIX) 07/30/1999
FID CONTRAFUND K (FCNKX) 05/17/1967
FID GROWTH CO K (FGCKX) 01/17/1983
MFS VALUE R4 (MEIJX) 04/01/2005
SPTN 500 INDEX ADV (FUSVX) 02/17/1988
CRM MID CAP VAL INST (CRIMX) 01/06/1998
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
TRP MID CAP GROWTH (RPMGX) 06/30/1992
LOOMIS SM CAP VAL I (LSSCX) 05/13/1991
MSIF SMALL CO GRTH I (MSSGX) 11/01/1989
VANG SM CAP IDX SIG (VSISX) 12/15/2006
FID DIVERSIFD INTL K (FDIKX) 12/27/1991
OPP DEVELOPING MKT Y (ODVYX) 09/07/2005
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
FID BALANCED K (FBAKX) 11/06/1986
FID FREEDOM K 2035 (FKTHX) 07/02/2009
FID FREEDOM K 2040 (FFKFX) 07/02/2009
FID FREEDOM K INCOME (FFKAX) 07/02/2009
MIP CL 1 09/07/1989 7 day yield as of 07/31/2013   0.91%
FID CAPITAL & INCOME (FAGIX) 11/01/1977
PIM TOTAL RT INST (PTTRX) 05/11/1987
SPTN US BOND IDX ADV (FSITX) 03/08/1990
FID RETIRE MMKT (FRTXX) 12/02/1988 7 day yield as of 07/31/2013   0.01%

jasg
Posts: 84
Joined: Wed May 08, 2013 7:10 pm

Re: Fidelity 401K

Post by jasg » Fri Aug 09, 2013 2:07 pm

Around here, the suggestions will likely be some mix of these - tailored to your risk tolerance.

SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
VANG SM CAP IDX SIG (VSISX) 12/15/2006
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
SPTN US BOND IDX ADV (FSITX) 03/08/1990

I wish I had filled this strategy when I was your age...
http://www.bogleheads.org/wiki/Three_fund_portfolio

Stan Dup
Posts: 762
Joined: Fri May 10, 2013 10:25 am

Re: Fidelity 401K

Post by Stan Dup » Fri Aug 09, 2013 2:09 pm

Read the instructions here on how to post this question. You need to provide more information:
http://www.bogleheads.org/forum/viewtopic.php?t=6212
"The tyranny of compounding expenses is the eighth deadly sin." - George Sisti

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ruralavalon
Posts: 13461
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: Fidelity 401K

Post by ruralavalon » Fri Aug 09, 2013 4:03 pm

In the 401k these are the ones to look at:

SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
VANG SM CAP IDX SIG (VSISX) 12/15/2006
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
PIM TOTAL RT INST (PTTRX) 05/11/1987
SPTN US BOND IDX ADV (FSITX) 03/08/1990

But it all depends on what you may have elsewhere, please post more details: Laura's post, Asking Portfolio Questions
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

Stonebr
Posts: 1463
Joined: Wed Jan 21, 2009 11:19 am
Location: Maine

Re: Fidelity 401K

Post by Stonebr » Fri Aug 09, 2013 9:34 pm

ruralavalon wrote:In the 401k these are the ones to look at:

SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
VANG SM CAP IDX SIG (VSISX) 12/15/2006
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
PIM TOTAL RT INST (PTTRX) 05/11/1987
SPTN US BOND IDX ADV (FSITX) 03/08/1990

But it all depends on what you may have elsewhere, please post more details: Laura's post, Asking Portfolio Questions
You have your answer here. Don't sweat the details.

The idea is simple:
1. Make a comprehensive asset allocation plan for all of your long term investment assets. It doesn't have to be a perfect plan -- just a reasonable one. You won't know what would have been perfect for another 25 years.
2. Low cost is paramount
3. Use passively managed Index funds wherever available.
4. Stick with your plan through thick and thin.
"have more than thou showest, | speak less than thou knowest" -- The Fool in King Lear

Timicranston
Posts: 11
Joined: Fri Aug 09, 2013 12:19 pm

Re: Fidelity 401K

Post by Timicranston » Fri Aug 09, 2013 9:49 pm

jasg wrote:Around here, the suggestions will likely be some mix of these - tailored to your risk tolerance.

SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
VANG SM CAP IDX SIG (VSISX) 12/15/2006
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
SPTN US BOND IDX ADV (FSITX) 03/08/1990

I wish I had filled this strategy when I was your age...
http://www.bogleheads.org/wiki/Three_fund_portfolio

Thanks for pointing me in the right direction. The linked page is just the thing for me.

Timicranston
Posts: 11
Joined: Fri Aug 09, 2013 12:19 pm

Re: Fidelity 401K

Post by Timicranston » Fri Aug 09, 2013 9:52 pm

Stonebr wrote:
ruralavalon wrote:In the 401k these are the ones to look at:

SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997
VANG SM CAP IDX SIG (VSISX) 12/15/2006
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
PIM TOTAL RT INST (PTTRX) 05/11/1987
SPTN US BOND IDX ADV (FSITX) 03/08/1990

But it all depends on what you may have elsewhere, please post more details: Laura's post, Asking Portfolio Questions
You have your answer here. Don't sweat the details.

The idea is simple:
1. Make a comprehensive asset allocation plan for all of your long term investment assets. It doesn't have to be a perfect plan -- just a reasonable one. You won't know what would have been perfect for another 25 years.
2. Low cost is paramount
3. Use passively managed Index funds wherever available.
4. Stick with your plan through thick and thin.
Thanks, this is a good start. Simple is best

jasg
Posts: 84
Joined: Wed May 08, 2013 7:10 pm

Re: Fidelity 401K

Post by jasg » Sat Aug 10, 2013 6:32 pm

Here is another thread that might help.
http://www.bogleheads.org/forum/viewtop ... 5#p1756888

JW-Retired
Posts: 6809
Joined: Sun Dec 16, 2007 12:25 pm

Re: Fidelity 401K

Post by JW-Retired » Sat Aug 10, 2013 10:03 pm

The major thing that's important is the expense ratio. We are guessing from experience that the expense ratios of the index funds are low. You need to verify that and list them.
JW
Retired at Last

TRC
Posts: 1877
Joined: Sat Dec 20, 2008 5:38 pm

Re: Fidelity 401K

Post by TRC » Sun Aug 11, 2013 6:48 am

You're fortunate to have these in your plan. I'd pick these:
Timicranston wrote: SPTN 500 INDEX ADV (FUSVX) 02/17/1988
SPTN INTL INDEX ADV (FSIVX) 11/05/1997
SPTN US BOND IDX ADV (FSITX) 03/08/1990
But, selecting your 401 funds should also take into consideration your other investments.

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