New 401k Investment Advices

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mommabears26
Posts: 1
Joined: Thu Nov 14, 2019 11:59 am

New 401k Investment Advices

Post by mommabears26 » Thu Nov 14, 2019 12:10 pm

I am almost 50, and just started my first employer-sponsored 401-k.

We have to elect how to invest - and I have no clue where to start.

These are the options _ i would love any insight into what I should invest in:

DFA Commodity Strategy Portfolio Commodities Broad Basket
DWS Enhanced Commodity Strat R6 (Trading Fees) Commodities Broad Basket
Causeway Emerging Markets Instl (Trading Fees) Diversified Emerging Mkts
DFA Emerging Markets Core Equity Instl Diversified Emerging Mkts
Harding Loevner Instl Emerg Mkts I (Trading Fees) Diversified Emerging Mkts
iShares Core MSCI Emerging Markets ETF Diversified Emerging Mkts
DFA International Core Equity Port Instl Foreign Large Blend
iShares Core MSCI EAFE ETF Foreign Large Blend
Invesco Oppenheimer Int Growth Foreign Large Growth
Hartford Schroders Intl Multi-Cp Val SDR Foreign Large Value
DFA International Small Cap Value Instl Foreign Small/Mid Value
DFA Investment Grade IIntermediate Core Bond
iShares Core Total US Bond Market ETF Intermediate Core Bond
Metropolitan West Total Return Bond Inst Intermediate Core-Plus Bond
PIMCO Total Return Instl Intermediate Core-Plus Bond
RMS Blended Aggressive Growth (Trading Fees) Investment Product
RMS Blended Conservative (Trading Fees) Investment Product
RMS Blended Growth (Trading Fees) Investment Product
RMS Blended Moderate (Trading Fees) Investment Product
RMS Blended Ultra Conservative (Trading Fees) Investment Product
RMS Dimensional Aggressive Growth Model(Trading Fees) Investment Product
RMS Dimensional Conservative Model (Trading Fees) Investment Product
RMS Dimensional Growth Model (Trading Fees) Investment Product
RMS Dimensional Moderate Model (Trading Fees) Investment Product
RMS Dimensional Ultra Conservative Model (Trading Fees) Investment Product
DFA U.S. Large Company Portfolio Large Blend
iShares S&P 500 Index Large Blend
Pioneer Fundamental Growth K Large Growth
Delaware Value® R6 Large Value
DFA U.S. Large Cap Value Portfolio Inst Large Value
Fidelity Government Cash Reserves Money Market
Stadion TargetFit 2020 Conservative Stra
Stadion TargetFit 2020 Moderate Strategy
Stadion TargetFit 2030 Conservative Stra
Stadion TargetFit 2030 Moderate Strategy
Stadion TargetFit 2040 Conservative Stra
Stadion TargetFit 2040 Moderate Strategy
Stadion TargetFit 2050 Conservative Stra
Stadion TargetFit 2050 Moderate Strategy
Stadion TargetFit 2060 Conservative Stra
Stadion TargetFit 2060 Moderate Strategy
Stadion TargetFit Income Conservative St
Stadion TargetFit Income Moderate Strate
Stadion TargetFit 2020 Growth Strategy
Stadion TargetFit 2030 Growth Strategy
Stadion TargetFit 2050 Growth Strategy
Stadion TargetFit 2060 Growth Strategy
Stadion TargetFit Income Growth Strategy
Stadion TargetFit 2040 Growth Strategy
DFA Real Estate Securities Instl Real Estate
Principal Real Estate Securities Fund Real Estate
Vanguard Real Estate Index ETF Real Estate
DFA U.S. Small Cap Portfolio Instl Small Blend
iShares Russell 2000 Index Fund Small Blend
Emerald Growth Institutional Small Growth
Invesco Oppenheimer Discovery Fund Small Growth
DFA U.S. Targeted Value Instl Small Value
MFS® New Discovery Value R6 Small Value

magicrat
Posts: 784
Joined: Sat Nov 29, 2014 7:04 pm

Re: New 401k Investment Advices

Post by magicrat » Thu Nov 14, 2019 12:41 pm

What are the expense ratios on the target date funds?

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ruralavalon
Posts: 16720
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: New 401k Investment Advices

Post by ruralavalon » Thu Nov 14, 2019 2:46 pm

Please add the tickers and expense ratios for each fund. You can simply add this to your original post w the edit button (the pencil icon near the upper right corner of your post), it helps a lot if all of your information is In one place.

The expense ratios are critical in fund selection, and in a 401k the expense ratios may be different than those charged to the general public for the identical funds.

The following funds look interesting as possible choices, depending on the expense ratios:
1) iShares S&P 500 Index Large Blend;
2) DFA International Core Equity Port Instl Foreign Large Blend; and
3) iShares Core Total US Bond Market ETF Intermediate Core Bond.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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Duckie
Posts: 6896
Joined: Thu Mar 08, 2007 2:55 pm
Location: California Bay Area

Re: New 401k Investment Advices

Post by Duckie » Thu Nov 14, 2019 7:56 pm

mommabears26, welcome to the forum.
mommabears26 wrote:These are the options _ i would love any insight into what I should invest in:
Without knowing the plan expense ratios, the following appear to be the best options:
  • iShares S&P 500 Index -- Large caps, 80% of US stocks
  • iShares Russell 2000 Index -- Small caps, 14% of US stocks
  • iShares Core MSCI EAFE ETF -- Developed markets, 75% of international stocks
  • iShares Core MSCI Emerging Markets ETF -- Emerging markets, 20% of international stocks
  • iShares Core Total US Bond Market ETF -- US bonds

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