I am new to the forum and first off one to thank everyone in advance for their responses.
My company just got bought out and we now have a new 401k provider through Mass Mutal. My previous 401k was with charles schwab. I am still trying to figure out if I want to roll it over or keep it with them. My knowledge is lacking on investing.
I have originally chosen a target date fund to start with until i can get some more sound advice. The one i have chosen is the BlackRock Lifepath Index 2040 fund with total annual operating expense of 0.29% and next expense ratio of 0.19%
My question is...do you all believe it would be okay to leave this has my investment choice since I am not comfortable with picking out the other investment options and keeping up with re balancing etc. I am definitely willing to learn and make the adjustments if a majority feels that this is a bad investment choice. Here are my other options in the plan.
Vanguard Total Bond Market Index Fund
Prudential Total Return Bond Fund
Blackrock high yield bond fund
PIMCO all asset fund
American Beacon Large Cap Value Fund
Vanguard 500 index Fund
JP Morgan Large Cap growth
JP Morgan Mid Cap Value
Vanguard Mid Capitalization index fund
Wells Fargo Discovery FUnd
American Beacon Small Cap Value FUnd
Vanguard Small Cap index fund
Prudential Jennison small company fund
American funds europacific growth fund
Vanguard Total international stock index
Columbia acorn international fund
Oppenheimer Developing Markets Fund
Neuberger Berman Real estate fund
New 401k
- CommonCent$
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Re: New 401k
Depends how simple (and risky) you want it?
Here's three simple choices, depending on risk and AA
1.
Vanguard 500 index Fund
2.
Vanguard 500 index Fund
Vanguard Total Bond Market Index Fund
3.
Vanguard 500 index Fund
Vanguard Total Bond Market Index Fund
Vanguard Total international stock index
Here's three simple choices, depending on risk and AA
1.
Vanguard 500 index Fund
2.
Vanguard 500 index Fund
Vanguard Total Bond Market Index Fund
3.
Vanguard 500 index Fund
Vanguard Total Bond Market Index Fund
Vanguard Total international stock index
NNN = "Nobody Knows Nothing"
Re: New 401k
The BlackRock fund is a perfectly acceptable choice, particularly if you are new to investing or have little interest in learning more. If you want to educate yourself, it's still a good place to leave the money until you feel ready to make your own decisions.
Re: New 401k
Lifepath 2040 is acceptable for now, but you may eventually wish to switch to an investment portfolio that gives you more control over your asset allocation at lower cost. However, it is necessary to start with knowledge of the expense ratios of the funds listed above. Typically, Vanguard funds are among the lowest cost funds.chaser8 wrote:I am new to the forum and first off one to thank everyone in advance for their responses.
Welcome to the forum!
My company just got bought out and we now have a new 401k provider through Mass Mutal. My previous 401k was with charles schwab. I am still trying to figure out if I want to roll it over or keep it with them. My knowledge is lacking on investing.
I have originally chosen a target date fund to start with until i can get some more sound advice. The one i have chosen is the BlackRock Lifepath Index 2040 fund with total annual operating expense of 0.29% and next expense ratio of 0.19%
My question is...do you all believe it would be okay to leave this has my investment choice since I am not comfortable with picking out the other investment options and keeping up with re balancing etc. I am definitely willing to learn and make the adjustments if a majority feels that this is a bad investment choice. Here are my other options in the plan.
Vanguard Total Bond Market Index Fund
Prudential Total Return Bond Fund
Blackrock high yield bond fund
PIMCO all asset fund
American Beacon Large Cap Value Fund
Vanguard 500 index Fund
JP Morgan Large Cap growth
JP Morgan Mid Cap Value
Vanguard Mid Capitalization index fund
Wells Fargo Discovery FUnd
American Beacon Small Cap Value FUnd
Vanguard Small Cap index fund
Prudential Jennison small company fund
American funds europacific growth fund
Vanguard Total international stock index
Columbia acorn international fund
Oppenheimer Developing Markets Fund
Neuberger Berman Real estate fund
The Bogleheads Wiki has tons of information you may want to check out.
Here's a good beginning point:
https://www.bogleheads.org/wiki/Getting_started
Here's the main Wiki page:
https://www.bogleheads.org/wiki/Main_Page
Here's a snapshot of "2040":
https://www.blackrock.com/investing/pro ... st-cl-fund
To my way of thinking, 92% stocks (with a considerable overweight in commercial real estate) is a rather volatile mix, especially with only 6.7% bonds and 1.3% cash.
If I had the above options (and assuming Vanguard's offerings are indeed lower-cost), I'd migrate to something like:
50% VG 500 Index
20% VG Total Int'l Stock Index
15% VG Small Cap Index
15% VG Total Bond
Caveat: We don't know your risk tolerance, age, how many years until desired retirement, other investments you and your spouse may have, etc. All these things can have a substantial bearing on what is best.
For more comprehensive assistance, following this format is ideal:
viewtopic.php?f=1&t=6212