Advice and direction for new 401k and fund options

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Topic Author
jsh84
Posts: 81
Joined: Thu May 15, 2014 9:32 am

Advice and direction for new 401k and fund options

Post by jsh84 » Wed Apr 17, 2019 2:28 pm

My wife got a new job with a new 401k. I'd like to utilize low cost index funds of course, but some of these funds i'm not familiar with or aren't very obvious. Thoughts on these options?

American Beacon Small Cap Value Fund R6 Class (.81%)

American Funds EuroPacific Growth Fund® Class R-6 (.49)

BlackRock High Yield Bond Portfolio Class K (.5%)

BlackRock Inflation Protected Bond Fund Class K (.34%)

Fidelity® Contrafund® K6 (.45%)

Harbor Capital Appreciation Fund Retirement Class (.58%)

John Hancock Funds Disciplined Value Fund Class R6 (.70%)

MassMutual Select Mid Cap Growth Fund Class I (.71%)

MFS International Value Fund Class R6 (.63%)

MFS Mid Cap Value Fund Class R6 (.69%)

Northern Trust Aggregate Bond Index Fund (.15%)

Northern Trust All Country World ex-US Investable Market Index Fund - DC - Non-Lending - Tier
Three (.25%)

Northern Trust Extended Equity Market Index Fund - DC - Non-Lending - Tier Three (??)

Northern Trust S&P 500 Index Fund - DC - Non-Lending - Tier Three (.10%) - this is probably the best?

Oppenheimer Developing Markets Fund Class I (1.29%)

Principal Real Estate Securities Fund Class R-6 (.83%)

Prudential Core Plus Bond Fund Class 12 (??)

Templeton Global Bond Fund Class R6 (.56%)
Last edited by jsh84 on Wed Apr 17, 2019 2:52 pm, edited 1 time in total.

pkcrafter
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Re: Advice and direction for new 401k and fund options

Post by pkcrafter » Wed Apr 17, 2019 2:41 pm

What are the expense ratios of the following funds?


BlackRock Inflation Protected Bond Fund Class K

MFS International Value Fund Class R6

MFS Mid Cap Value Fund Class R6

Northern Trust Aggregate Bond Index Fund

Northern Trust All Country World ex-US Investable Market Index Fund - DC - Non-Lending - Tier
Three

Northern Trust Extended Equity Market Index Fund - DC - Non-Lending - Tier Three

Northern Trust S&P 500 Index Fund - DC - Non-Lending - Tier Three - this is probably the best?


Paul
When times are good, investors tend to forget about risk and focus on opportunity. When times are bad, investors tend to forget about opportunity and focus on risk.

Topic Author
jsh84
Posts: 81
Joined: Thu May 15, 2014 9:32 am

Re: Advice and direction for new 401k and fund options

Post by jsh84 » Wed Apr 17, 2019 2:52 pm

I added the ERs that I could find.

carmonkie
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Re: Advice and direction for new 401k and fund options

Post by carmonkie » Wed Apr 17, 2019 2:55 pm

Pending the ER, you could approximate Total Stock Market using the S&P fund and the Extended Market at 4:1 ratio.
Then Use the Aggregate Bond Index and then All Country Wold Ex-US for your International allocation.

This of course, after taking in consideration both of your investments as a unit..

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Duckie
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Re: Advice and direction for new 401k and fund options

Post by Duckie » Wed Apr 17, 2019 6:21 pm

jsh84 wrote:Thoughts on these options?
The best options are:
  • Northern Trust S&P 500 Index (0.10%) -- Large caps, 80% of US stocks
  • Northern Trust Extended Equity Market Index (??) -- Mid/small caps, 20% of US stocks
  • Northern Trust All Country World ex-US IMI (0.25%) -- Complete international stocks
  • Northern Trust Aggregate Bond Index (0.15%) -- US bonds

Topic Author
jsh84
Posts: 81
Joined: Thu May 15, 2014 9:32 am

Re: Advice and direction for new 401k and fund options

Post by jsh84 » Wed Apr 17, 2019 6:50 pm

Thanks, I think i'll stick with the S&P 500 option for now and get international and bonds elsewhere.

lakpr
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Re: Advice and direction for new 401k and fund options

Post by lakpr » Wed Apr 17, 2019 9:31 pm

You might also want to add at least a portion to the Fidelity Contra Fund. It is a dynamite fund, just look at the past returns including in 2008. The same manager is still at the fund's helm. Normally this fund is offered at around 0.75% ER, your plan has it at a discount.

Past returns are no guarantee of future results, but the fund track record makes a compelling narrative to stick at least a fifth of your contributions.

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