Help with Schwab 401k Investment Choices

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Topic Author
nolax29
Posts: 5
Joined: Tue Nov 18, 2014 4:05 pm

Help with Schwab 401k Investment Choices

Post by nolax29 »

Here are my choices in my 401k

Asset Allocation
BlackRock LifePath Index 2020 J (ER .16%)
BlackRock LifePath Index 2025 J (ER .16%)
BlackRock LifePath Index 2030 J (ER .16%)
BlackRock LifePath Index 2035 J (ER .16%)
BlackRock LifePath Index 2040 J (ER .16%)
BlackRock LifePath Index 2045 J (ER .16%)
BlackRock LifePath Index 2050 J (ER .16%)

Stocks
Large Company
BlackRock Equity Index Fund H (ER .05%)
FCNTX - Fidelity Contrafund (ER .67%)
JLGRX - JPMorgan Large Cap Growth R5 (ER .76%)
VWNAX - Vanguard Windsor II Admiral (ER .28%)

Small/Mid Co.
TSCIX - AMG TimesSquare Small Cap Growth Instl (ER 1.05%)
MIDCAPK - BlackRock Mid Cap Equity Index K (ER .08%)
VSOIX - Victory Small Company Opportunity I (ER .99%)

Intl/Global
RERFX - American Funds Europacific Growth R5 (ER .54%)
OGLYX - Oppenheimer Global Y (ER .90%)
TFSCX - Templeton Ins Foreign Smaller Co Ser Adv (ER .99%)

Balanced
VWENX - Vanguard Wellington Admiral (ER .18%)

Bonds
DEBTT - BlackRock US Debt Index T (ER .06%)

Capital Preservation
VMMXX - Vanguard Prime Money Market Inv (ER .17%)
WFRTZ - Wells Fargo Stable Return Fund U (ER .62%)

I am 42 yrs old and I am looking for some advice as to which funds I should be in. I do have a self direct option in my 401k as well.
Last edited by nolax29 on Wed Nov 19, 2014 8:21 am, edited 1 time in total.
Johm221122
Posts: 6395
Joined: Fri May 13, 2011 6:27 pm

Re: Help with Schwab 401k Investment Choices

Post by Johm221122 »

What other investments do you have, What AA do you want?
Asking portfolio question
http://www.bogleheads.org/forum/viewtopic.php?t=6212

Welcome to forum
John
bargainhuntingking
Posts: 232
Joined: Wed May 14, 2008 3:48 am

Re: Help with Schwab 401k Investment Choices

Post by bargainhuntingking »

Do the self directed option and pick a few of the low ER Schwab ETFs to suit your AA.

For example, for a simple 3 fund portfolio, the following are fine:

US stock index Fund = SCHB
International Index Fund (Developed markets) = SCHF
Bond Index Fund = SCHZ

You can add more Schwab ETFs to slice and dice if desired (small cap international, emerging markets, REITS, etc.)
User avatar
alec
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Joined: Fri Mar 02, 2007 1:15 pm

Re: Help with Schwab 401k Investment Choices

Post by alec »

What are the underlying funds in the lifepath funds.
"It is difficult to get a man to understand something, when his salary depends upon his not understanding it!" - Upton Sinclair
Topic Author
nolax29
Posts: 5
Joined: Tue Nov 18, 2014 4:05 pm

Re: Help with Schwab 401k Investment Choices

Post by nolax29 »

The underlying funds in the lifepath are blackrock index funds
Topic Author
nolax29
Posts: 5
Joined: Tue Nov 18, 2014 4:05 pm

Re: Help with Schwab 401k Investment Choices

Post by nolax29 »

I also have a Roth IRA with Vanguard in one fund the VTSAX
Johm221122
Posts: 6395
Joined: Fri May 13, 2011 6:27 pm

Re: Help with Schwab 401k Investment Choices

Post by Johm221122 »

nolax29 wrote:I also have a Roth IRA with Vanguard in one fund the VTSAX
Have you considered changing your Roth to a target retirement fund and picking a similar one in 401.Pick a fund that meets your desired AA and not by year

John
Topic Author
nolax29
Posts: 5
Joined: Tue Nov 18, 2014 4:05 pm

Re: Help with Schwab 401k Investment Choices

Post by nolax29 »

I had not though about changing to target retirement funds that meet my desired AA. Seems like a very simple option and will be well diversified. Historically the returns are not as great though.
Johm221122
Posts: 6395
Joined: Fri May 13, 2011 6:27 pm

Re: Help with Schwab 401k Investment Choices

Post by Johm221122 »

nolax29 wrote:I had not though about changing to target retirement funds that meet my desired AA. Seems like a very simple option and will be well diversified. Historically the returns are not as great though.
Historical returns of retirement fund not as great as?

John
Topic Author
nolax29
Posts: 5
Joined: Tue Nov 18, 2014 4:05 pm

Re: Help with Schwab 401k Investment Choices

Post by nolax29 »

As a mix of three or four solid index funds but I may be wrong.
Johm221122
Posts: 6395
Joined: Fri May 13, 2011 6:27 pm

Re: Help with Schwab 401k Investment Choices

Post by Johm221122 »

nolax29 wrote:As a mix of three or four solid index funds but I may be wrong.
What are your 401 retirement funds? What are vanguard retirement funds?
John
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