Long-time Bogleheads forum reader, first time poster. Thanks in advance for your patience.
I am currently in the process of simplifying and improving my investment portfolio and would appreciate any advice/guidance/insight on the investments available in my employer's 401k plan (listed below).
I would appreciate your recommendation on which of these funds you would use to create a portfolio consisting of 60% stocks/40% bonds. Ideally, I would like my 401k portfolio to closely resemble the Vanguard LifeStrategy Moderate Growth Fund (VSMGX).
Short-Term Fixed Income:
Morley Capital Management Principal Stable Value Inst Fund (ER 0.54%)
Fixed Income:
Mellon Capital Mgmt Bond Market Index Inst Fund (PNIIX) (ER 0.28%)
PIMCO PIMCO Global Bond (Unhedged) Institutional Fund (PIGLX) (ER 0.57%)
PIMCO PIMCO Total Return Instl Fund (PTTRX) (ER 0.47%)
Balanced/Asset Allocation:
Principal LifeTime Hybrid Income CIT (ER 0.37%)
Principal LifeTime Hybrid 2010 CIT (ER 0.38%)
Principal LifeTime Hybrid 2015 CIT (ER 0.36%)
Principal LifeTime Hybrid 2020 CIT (ER 0.35%)
Principal LifeTime Hybrid 2025 CIT (ER 0.35%)
Principal LifeTime Hybrid 2030 CIT (ER 0.35%)
Principal LifeTime Hybrid 2035 CIT (ER 0.35%)
Principal LifeTime Hybrid 2040 CIT (ER 0.36%)
Principal LifeTime Hybrid 2045 CIT (ER 0.36%)
Principal LifeTime Hybrid 2050 CIT (ER 0.37%)
Principal LifeTime Hybrid 2055 CIT (ER 0.38%)
Principal LifeTime Hybrid 2060 CIT (ER 0.38%)
Large U.S. Equity:
T. Rowe Price/Brown Advisory LargeCap Growth I Inst Fund (PLGIX) (ER 0.64%)
Vanguard Group Vanguard Institutional Index Institutional Fund (VINIX) (ER 0.04%)
Vanguard Group Vanguard Windsor II Adm Fund (VWNAX) (ER 0.25%)
Small/Mid U.S. Equity:
Dimensional Fund Advisors DFA US Small Cap I Fund (DFSTX) (ER 0.37%)
Principal Global Investors MidCap S&P 400 Index Inst Fund (MPSIX) (ER 0.2%)
Principal Global Investors SmallCap S&P 600 Index Inst Fund (PSSIX) (ER 0.21%)
Principal Real Estate Inv Real Estate Securities Inst Fund (PIREX) (ER 0.88%)
International Equity:
Hartford Mutual Funds Hartford International Opportunities Y Fund (HAOYX) (ER 0.79%)
Principal Global Investors International Equity Index Inst Fund (PIDIX) (ER 0.35%)
T. Rowe Price Associates, Inc. T. Rowe Price Institutional Markets Equity Fund (IEMFX) (ER 1.1%)
401k Portfolio Help
Re: 401k Portfolio Help
I have looked up those funds, but the balanced/asset allocation funds aren't to expensive.
So either than or a combo of VINX, MPSIX, PSSIX, and PIDIX.
Good luck,
JT
So either than or a combo of VINX, MPSIX, PSSIX, and PIDIX.
Good luck,
JT
Re: 401k Portfolio Help
bogledesk, welcome to the forum.
VSMGX has an AA of 60% stocks, 40% bonds, with 40% of stocks and 20% of bonds in international. Skip the international bonds and consider fewer international stocks. The best options in your plan are:bogledesk wrote:I would appreciate your recommendation on which of these funds you would use to create a portfolio consisting of 60% stocks/40% bonds. Ideally, I would like my 401k portfolio to closely resemble the Vanguard LifeStrategy Moderate Growth Fund (VSMGX).
- Vanguard Institutional Index (VINIX) (0.04%) -- Large caps, 80% of US stocks
- Principal MidCap S&P 400 Index (MPSIX) (0.20%) -- Mid caps, 6% of US stocks
- Principal SmallCap S&P 600 Index (PSSIX) (0.21%) -- Small caps, 14% of US stocks
- Principal International Equity Index (PIDIX) (0.35%) -- Developed markets, 75% of international stocks
- Mellon Capital Mgmt Bond Market Index (PNIIX) (0.28%) -- US bonds
Re: 401k Portfolio Help
Thank you all for your help with this. Much appreciated.