ADP 401K - Need help with investment options

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Topic Author
maxshop
Posts: 2
Joined: Sat Feb 09, 2019 9:52 pm

ADP 401K - Need help with investment options

Post by maxshop » Sat Feb 09, 2019 10:22 pm

Hello,

Longtime lurker, first time poster.... :happy

Tax Rate: 24% (Married filing jointly)
Age: 46
12 months of emergency funds
Currently maxing out my 401K, IRA, and HSA

We have our 401K through ADP and have the following list of investment choices:

Code: Select all

Investment Fund	                                                                Expense Ratio
American Funds American Balanced Fund - Class R6	                        0.28
American Funds Washington Mutual Investors Fund - Class R6	                0.29
BlackRock Health Sciences Opportunities Portfolio - Class K	                0.77
BlackRock Mid-Cap Growth Equity Fund - Class K	                                0.75
ClearBridge Large Cap Growth Fund - Class IS	                                0.68
Fidelity 500 Index Fund	                                                        0.02
Fidelity Mid Cap Index Fund	                                                0.03
Fidelity U.S. Bond Index Fund	                                                0.03
Goldman Sachs Emerging Markets Equity Insights Fund - Institutional Class	1.09
Great-West Goldman Sachs Md Cp Value - Institutional	                        0.80
Invesco Stable Asset Fund - ADPZ Class	                                        N/A
Janus Henderson Triton Fund - Class N	                                        0.67
JPMorgan Equity Income Fund - Class R6	                                        0.50
PGIM High Yield Fund - Class R6	                                                0.42
PGIM Total Return Bond Fund - Class R6	                                        0.41
TIAA-CREF Large Cap Growth Index Fund - Institutional Class	                0.06
TIAA-CREF Lifestyle Aggressive Growth Fund - Institutional Class	        0.55
TIAA-CREF Lifestyle Conservative Fund - Institutional Class	                0.46
TIAA-CREF Lifestyle Growth Fund - Institutional Class	                        0.52
TIAA-CREF Lifestyle Income Fund - Institutional Class	                        0.42
TIAA-CREF Lifestyle Moderate Fund - Institutional Class	                        0.49
Undiscovered Managers Behavioral Value Fund - Class R6	                        0.87
Vanguard Developed Markets Index Fund - Admiral Class	                        0.07
Vanguard Energy Fund - Admiral Class	                                        0.30
Vanguard Financials Index Fund - Admiral Class	                                0.10
Vanguard Information Technology Index Fund - Admiral Class	                0.10
Vanguard International Growth Fund - Admiral Class	                        0.32
Vanguard Target Retirement 2015 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2020 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2025 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2030 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2035 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2040 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2045 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2050 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2055 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2060 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2065 Fund - Investor Class	                        0.15
Vanguard Target Retirement Income Fund - Investor Class	                        0.12
Vanguard Tax-Managed Small Cap Fund - Admiral Class	                        0.09
Vanguard Utilities Index Fund - Admiral Class	                                0.10
Vanguard Value Index Fund - Admiral Class	                                0.05
I am looking for some guidance/suggestions on which of the above to choose.

Thank you.

User avatar
ruralavalon
Posts: 16514
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: ADP 401K - Need help with investment options

Post by ruralavalon » Sun Feb 10, 2019 11:02 am

maxshop wrote:
Sat Feb 09, 2019 10:22 pm
Hello,

Longtime lurker, first time poster.... :happy

Tax Rate: 24% (Married filing jointly)
Age: 46
12 months of emergency funds
Currently maxing out my 401K, IRA, and HSA

We have our 401K through ADP and have the following list of investment choices:

Code: Select all

Investment Fund	                                                                Expense Ratio
American Funds American Balanced Fund - Class R6	                        0.28
American Funds Washington Mutual Investors Fund - Class R6	                0.29
BlackRock Health Sciences Opportunities Portfolio - Class K	                0.77
BlackRock Mid-Cap Growth Equity Fund - Class K	                                0.75
ClearBridge Large Cap Growth Fund - Class IS	                                0.68
Fidelity 500 Index Fund	                                                        0.02
Fidelity Mid Cap Index Fund	                                                0.03
Fidelity U.S. Bond Index Fund	                                                0.03
Goldman Sachs Emerging Markets Equity Insights Fund - Institutional Class	1.09
Great-West Goldman Sachs Md Cp Value - Institutional	                        0.80
Invesco Stable Asset Fund - ADPZ Class	                                        N/A
Janus Henderson Triton Fund - Class N	                                        0.67
JPMorgan Equity Income Fund - Class R6	                                        0.50
PGIM High Yield Fund - Class R6	                                                0.42
PGIM Total Return Bond Fund - Class R6	                                        0.41
TIAA-CREF Large Cap Growth Index Fund - Institutional Class	                0.06
TIAA-CREF Lifestyle Aggressive Growth Fund - Institutional Class	        0.55
TIAA-CREF Lifestyle Conservative Fund - Institutional Class	                0.46
TIAA-CREF Lifestyle Growth Fund - Institutional Class	                        0.52
TIAA-CREF Lifestyle Income Fund - Institutional Class	                        0.42
TIAA-CREF Lifestyle Moderate Fund - Institutional Class	                        0.49
Undiscovered Managers Behavioral Value Fund - Class R6	                        0.87
Vanguard Developed Markets Index Fund - Admiral Class	                        0.07
Vanguard Energy Fund - Admiral Class	                                        0.30
Vanguard Financials Index Fund - Admiral Class	                                0.10
Vanguard Information Technology Index Fund - Admiral Class	                0.10
Vanguard International Growth Fund - Admiral Class	                        0.32
Vanguard Target Retirement 2015 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2020 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2025 Fund - Investor Class	                        0.13
Vanguard Target Retirement 2030 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2035 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2040 Fund - Investor Class	                        0.14
Vanguard Target Retirement 2045 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2050 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2055 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2060 Fund - Investor Class	                        0.15
Vanguard Target Retirement 2065 Fund - Investor Class	                        0.15
Vanguard Target Retirement Income Fund - Investor Class	                        0.12
Vanguard Tax-Managed Small Cap Fund - Admiral Class	                        0.09
Vanguard Utilities Index Fund - Admiral Class	                                0.10
Vanguard Value Index Fund - Admiral Class	                                0.05
I am looking for some guidance/suggestions on which of the above to choose.

Thank you.
In my opinion the better choices in your 401k plan include:
1) Fidelity 500 Index Fund;
3) Vanguard Developed Markets Index Fund; and
3) Fidelity U.S. Bond Index Fund.

What fund firm is your IRA with?

What funds are offered in the HSA?

You might be better off using a more diversified total international stock fund in the IRA, or HSA, rather than use the developed markets fund in your 401k.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

retiredjg
Posts: 38184
Joined: Thu Jan 10, 2008 12:56 pm

Re: ADP 401K - Need help with investment options

Post by retiredjg » Sun Feb 10, 2019 11:15 am

I would list the same choices as ruralavalon. You can get better answers by showing us the rest of your portfolio. For instance, you might get a more complete international fund in an IRA.

Consider posting your information in the format listed in the link below. It's some work but you will learn a lot by doing it. The closer you follow the format, the easier it is to help you.

Topic Author
maxshop
Posts: 2
Joined: Sat Feb 09, 2019 9:52 pm

Re: ADP 401K - Need help with investment options

Post by maxshop » Sun Feb 10, 2019 2:36 pm

Thank you ruralavalon and retiredjg for your replies.

IRA incl Rollover
Currently with Betterment (90% stocks and 10% bonds)
https://imgur.com/a/id5awVD

HSA
TDAmeritrade - $14K equally split between SPTM (0.03%), SPAB (0.04%), and SPDW (0.04%)

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