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  • #1

    401K Options

    Hey guys,

    I am about to enroll in my 401k at work. Looks like there are some good options but nothing to great. They are Below:

    Specialty:
    BlkRk Natrl Rsrc Tr Inst (MAGRX) Exp Ratio= .86%
    FnklnTmp Glbl Bd Adv (TGBAX) Exp Ratio- .66%
    NeuBer RealEst Inst (NBRIX) Exp Ratio - 1.11%

    International Stocks
    NW Intl Indx Inst (GIXIX) Exp Ratio - .33%
    Okmrk Intl I (OAKIX) Exp Ratio - 1.06%
    Opp Devl Mkt Y (ODVYX) Exp RAtio - 1.03%

    Smallcap Stocks
    Jns Triton T (JATTX) Exp Ratio -.95%

    Midcap Stocks
    Prncpl MdCap Blnd Inst (PCBIX) Exp Ratio - .65%
    Vngrd Extnd Mkt Indx Sgnl (VEMSX) Exp Ratio - .14%

    Largecap Stocks

    JPM Val Advtg Inst (JVAIX) Exp Ratio - 1.03%
    NeuBer Eq Inc Inst (NBHIX) Exp Ratio - .71%
    Tchstn Sands Cap Inst Gr (CISGX) Exp Ratio - .80%
    Vngrd 500 Indx Sgnl (VIFSX) Exp Ratio - .05%

    Then there is Balanced options using T rowe price retirement target date funds but high expense ratios.

    Bonds:

    DFA Intmd Govt FxdInc Inst (DFIGX) Exp Ratio - .12%
    FidAdv Hi Inc Advtg Inst (FAHCX) Exp Ratio - .78%
    MetroWest Ttl Rtn Bd I (MWTIX) Exp Ratio - .41%
    NeuBer Strat Inc inst (NSTLX) Exp Ratio - .90%

    I am 27 years old so i know i can be aggressive. just not sure what my allocation should be. Small percentage in bonds or all stocks?

    For stocks, looks like a smart idea to give with Vanguard Extended Mkt Index signal for mid cap, Vanguard 500 for large cap and possibly the GIXIX for international stock. Trying to figure out some good % to put towards each option. Let me know your take on this.
    Tags: None
  • #2
    I think you have some awesome choices! You have already identified them, too.

    VEXMX is classified as a mid-cap fund, but actually holds both mid and small cap, so between that and VIFSX, you have the entire US market covered.

    How much international? Typical advice is 20 - 40% of equities. Vanguard allocates 30% of equities to international in it's target retirement funds.

    Should you have bonds? In my opinion, yes, even at age 27 you should have a small allocation to bonds.

    I suggest something like:

    40% S&P 500 Index
    20% Extended Mkt Index

    30% NW Intl Index

    10% DFA Intmd Govt

    Comment

    • #3
      Originally posted by Petunia 100 View Post
      I suggest something like:

      40% S&P 500 Index
      20% Extended Mkt Index

      30% NW Intl Index

      10% DFA Intmd Govt
      I think this is a good plan.
      Steve

      * Despite the high cost of living, it remains very popular.
      * Why should I pay for my daughter's education when she already knows everything?
      * There are no shortcuts to anywhere worth going.

      Comment

      • #4
        thanks guys!

        Comment

        • #5
          Originally posted by Petunia 100 View Post
          I suggest something like:

          40% S&P 500 Index
          20% Extended Mkt Index

          30% NW Intl Index

          10% DFA Intmd Govt
          Sounds good but I'd suggest splitting the bond holding 5% DFA and 5% MetroWest (MWTIX). 5% might not make much of a difference but at least that way you have some exposure to other bonds (i.e. corporates) and not just gov't.

          I'd also suggest if you plan to go 30 int'l to maybe do 20% NW Int'l and 10% Oppenheimer Dev. (ODVYX). A higher expense ratio but that one will give you exposure to emerging markets which the NW Int'l doesn't really have.
          The easiest thing of all is to deceive one's self; for what a man wishes, he generally believes to be true.
          - Demosthenes

          Comment

          • #6
            Originally posted by disneysteve View Post
            I think this is a good plan.
            Ditto.
            seek knowledge, not answers
            personal finance

            Comment

            • #7
              Hey guys,

              Looks like i have way more options through my 401k than i thought. Do you think i should change my 401k picks. Below are the vanguard funds available.


              Vngrd 500 Indx Sgnl Large-Cap Stocks
              Vngrd Bal Indx Sgnl Balanced
              Vngrd Divd App Indx Inv Large-Cap Stocks
              Vngrd Divd Gr Inv Large-Cap Stocks
              Vngrd Divrs Eq Inv Large-Cap Stocks
              Vngrd Emrg Mkt StkIndxSgnl International Stocks
              Vngrd Enrgy Inv Specialty
              Vngrd Eq Inc Inv Large-Cap Stocks
              Vngrd Euro Stk Indx Sgnl Specialty
              Vngrd Explr Inv Small-Cap Stocks
              Vngrd Extnd Mkt Indx Sgnl Mid-Cap Stocks
              Vngrd FTSE Soc Indx Inv Large-Cap Stocks
              Vngrd GNMA Inv Bonds
              Vngrd Glbl Eq Inv International Stocks
              Vngrd Gr Inc Inv Large-Cap Stocks
              Vngrd Gr Indx Sgnl Large-Cap Stocks
              Vngrd Hlth Care Inv Specialty
              Vngrd Infl Prtct Sec Inv Bonds
              Vngrd Intl Explr Inv International Stocks
              Vngrd Intl Gr Inv International Stocks
              Vngrd Intl Val Inv International Stocks
              Vngrd Intmd Trm Trsry Inv Bonds
              Vngrd IntmdTrmInvmtGrd Inv Bonds
              Vngrd LT Invmt Grd Inv Bonds
              Vngrd LT Trsry Inv Bonds
              Vngrd MdCap Gr Indx Inv Mid-Cap Stocks
              Vngrd MdCap Gr Inv Mid-Cap Stocks
              Vngrd MdCap Val Indx Inv Mid-Cap Stocks
              Vngrd Mrgn Gr Inv Large-Cap Stocks
              Vngrd Pacfc Stk Indx Sgnl Specialty
              Vngrd Prec Mtls Mining Specialty
              Vngrd REIT Indx Sgnl Specialty
              Vngrd STAR Inv Balanced
              Vngrd Sel Val Inv Mid-Cap Stocks
              Vngrd SmCap Gr Indx Inv Small-Cap Stocks
              Vngrd SmCap Val Indx Inv Small-Cap Stocks
              Vngrd Strat Eq Inv Mid-Cap Stocks
              Vngrd Strat SmCap Eq Inv Small-Cap Stocks
              Vngrd Trgt Rtrmt 2010 Inv Balanced
              Vngrd Trgt Rtrmt 2015 Inv Balanced
              Vngrd Trgt Rtrmt 2020 Inv Balanced
              Vngrd Trgt Rtrmt 2025 Inv Balanced
              Vngrd Trgt Rtrmt 2030 Inv Balanced
              Vngrd Trgt Rtrmt 2035 Inv Balanced
              Vngrd Trgt Rtrmt 2040 Inv Balanced
              Vngrd Trgt Rtrmt 2045 Inv Balanced
              Vngrd Trgt Rtrmt 2050 Inv Balanced
              Vngrd Trgt Rtrmt 2055 Inv Balanced
              Vngrd Trgt Rtrmt 2060 Inv Balanced
              Vngrd Trgt Rtrmt Inc Balanced
              Vngrd Ttl StkMkt Indx Sgnl Large-Cap Stocks
              Vngrd US Gr Inv Large-Cap Stocks
              Vngrd US Val Inv Large-Cap Stocks
              Vngrd Val Indx Sgnl Large-Cap Stocks
              Vngrd Wlsly Inc Inv Balanced
              Vngrd Wndsr II Inv Large-Cap Stocks
              Vngrd Wndsr Inv Large-Cap Stocks

              Comment

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