Another "Help Me Choose 401k Funds" thread

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johnnyc321
Posts: 99
Joined: Wed Jan 04, 2017 9:24 pm

Another "Help Me Choose 401k Funds" thread

Post by johnnyc321 »

I have been in a new 401k since January and am currently invested entirely in VTIVX - Vanguard 2045 Target Date. I finally was able to roll both my old 401k and my traditional IRA over so I'd appreciate any advice on whether I should I switch my fund selection.

Here are my choices:

Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees
ABF LG CAP VAL INST (AADEX) 07/17/1987 Stock Investments Large Cap 0.62% No additional fees apply.
FID 500 INDEX (FXAIX) 02/17/1988 Stock Investments Large Cap 0.015% No additional fees apply.
FID CONTRAFUND K (FCNKX) 05/17/1967 Stock Investments Large Cap 0.73% No additional fees apply.
VANG TOT STK MKT IS (VITSX) 04/27/1992 Stock Investments Large Cap 0.035% No additional fees apply.
VANG MIDCAP IDX ADM (VIMAX) 05/21/1998 Stock Investments Mid-Cap 0.05% No additional fees apply.
VICTORY S ESTB VAL I (VEVIX) 08/16/1983 Stock Investments Mid-Cap 0.59% No additional fees apply.
FED MDT SMCP CORE IS (QISCX) 09/15/2005 Stock Investments Small Cap 1.11% No additional fees apply.
VANG SM CAP IDX INST (VSCIX) 10/03/1960 Stock Investments Small Cap 0.04% No additional fees apply.
FID INTL DISCOVERY K (FIDKX) 12/31/1986 Stock Investments International 0.77% No additional fees apply.
VANG EM STK IDX ADM (VEMAX) 05/04/1994 Stock Investments International 0.14% No additional fees apply.
VANG TOT INTL STK AD (VTIAX) 04/29/1996 Stock Investments International 0.11% No additional fees apply.
VAN REAL EST IDX ADM (VGSLX) 05/13/1996 Stock Investments Specialty 0.12% No additional fees apply.
OAKMARK EQ & INC INV (OAKBX) 11/01/1995 Blended Fund Investments* N/A 0.88% No additional fees apply.
VANG TARGET RET 2015 (VTXVX) 10/27/2003 Blended Fund Investments* N/A 0.13% No additional fees apply.
VANG TARGET RET 2020 (VTWNX) 06/07/2006 Blended Fund Investments* N/A 0.13% No additional fees apply.
VANG TARGET RET 2025 (VTTVX) 10/27/2003 Blended Fund Investments* N/A 0.13% No additional fees apply.
VANG TARGET RET 2030 (VTHRX) 06/07/2006 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2035 (VTTHX) 10/27/2003 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2040 (VFORX) 06/07/2006 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2045 (VTIVX) 10/27/2003 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2050 (VFIFX) 06/07/2006 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2055 (VFFVX) 08/18/2010 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2060 (VTTSX) 01/19/2012 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2065 (VLXVX) 07/12/2017 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET INC (VTINX) 10/27/2003 Blended Fund Investments* N/A 0.12% No additional fees apply.
VANG WELLESLEY ADM (VWIAX) 07/01/1970 Blended Fund Investments* N/A 0.16% No additional fees apply.
MIP II CL 1 04/20/1993 7 day yield as of 03/31/2019 2.08% Bond Investments Stable Value 0.54% No additional fees apply.
DODGE & COX INCOME (DODIX) 01/03/1989 Bond Investments Income 0.43% No additional fees apply.
FID CAPITAL & INCOME (FAGIX) 11/01/1977 Bond Investments Income 0.67% No additional fees apply.
VANG TOT BD MKT ADM (VBTLX) 12/11/1986 Bond Investments Income 0.05% No additional fees apply.


Thanks for any help you can provide.
Flyer24
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Re: Another "Help Me Choose 401k Funds" thread

Post by Flyer24 »

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ExitStageLeft
Posts: 1973
Joined: Sat Jan 20, 2018 4:02 pm

Re: Another "Help Me Choose 401k Funds" thread

Post by ExitStageLeft »

You have access to all of the Vanguard low-cost funds needed to have a three-fund portfolio. You could switch from the 2045 target date fund if you want to trim a few basis points off your annual expenses. Or you could put everything in VTIVX and go fishing.

If you want to manage the fund allocation yourself, then you would want to have these three funds:
VANG TOT STK MKT IS (VITSX) 0.035%
VANG TOT INTL STK AD (VTIAX) 0.11%
VANG TOT BD MKT ADM (VBTLX) 0.05%

Depending on your desired allocation, the overall expenses would be about 0.05%. That saves you 0.1% compared to the target date fund. That comes out to something in the ballpark of $100 you would save in fees for every $100,000 you have invested. All you would have to do is re-balance once a year or so.
Topic Author
johnnyc321
Posts: 99
Joined: Wed Jan 04, 2017 9:24 pm

Re: Another "Help Me Choose 401k Funds" thread

Post by johnnyc321 »

ExitStageLeft wrote: Tue Apr 02, 2019 1:12 pm You have access to all of the Vanguard low-cost funds needed to have a three-fund portfolio. You could switch from the 2045 target date fund if you want to trim a few basis points off your annual expenses. Or you could put everything in VTIVX and go fishing.

If you want to manage the fund allocation yourself, then you would want to have these three funds:
VANG TOT STK MKT IS (VITSX) 0.035%
VANG TOT INTL STK AD (VTIAX) 0.11%
VANG TOT BD MKT ADM (VBTLX) 0.05%

Depending on your desired allocation, the overall expenses would be about 0.05%. That saves you 0.1% compared to the target date fund. That comes out to something in the ballpark of $100 you would save in fees for every $100,000 you have invested. All you would have to do is re-balance once a year or so.
Thanks. I have about $133k in it now so I will probably just keep it where it is.
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