Author Topic: 401k provider changing - Which funds to invest in?  (Read 1615 times)

Awitte58

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401k provider changing - Which funds to invest in?
« on: February 03, 2016, 06:57:26 AM »
Hello all. Our company has just switched providers for our 401k and I am curious what y'all think is the best funds to pick?
The last provider offered options like 'moderately volatile, extremely volatile' etc and I just picked extremely but never really looked at what funds it was invested in.

I am 25 so a more volatile portfolio wouldn't hurt, but I guess all I am wondering is if I should focus my 401k portfolio like I do other investments - minimize the amount of Fees you incur.
Now I cannot control the providers fee rate, but it makes sense to pick the funds with the lower fees right? like the Vanguard 500 Index Admiral and other Vanguard funds?
My company matches .15 on the dollar invested so I am getting a pretty good return even if the portfolio doesn't perform extremely well.

Any input is appreciated.

So here are the options:
Columbia Balanced Y
Vanguard Wellesley Income Fund
PIMCO Comm Real Ret Strategy Institution
Vanguard Mid Cap Ind Adm
Causeway Emerging Markets Instl
TIAA-CREF International Opportunities
Federated Instl High Yield Bond
Vanguard Inflation Prot Securities Adml
Vanguard Total Bond Market Index Fund
Metropolitan West Total Return Bond
TIAA-CREF Lifecycle Index 2040 Fund
Vanguard 500 Index Admiral
JP Morgan Large Cap Growth Fund
MFS Value Fund R5
Janus Enterprise N
Oppenheimer International Small CO I
Vanguard Selected Value Fund
Invesco Short Term Investments
Lord Abbett Inv Short Duration Income I
Vanguard Small Cap Index Admiral
JP Morgan US Small Company Instl

And then a bunch of target retirement date funds: TIAA-CREF Lifecycle index 2010 fund...2020 fund...2030...2050..
 

GrowingTheGreen

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Re: 401k provider changing - Which funds to invest in?
« Reply #1 on: February 03, 2016, 07:06:12 AM »
You're right on with the statement about fees.

Here are my choices:
Vanguard 500 Index (70%)
Vanguard Mid (20%)
Vanguard Small (10%)

If there's an international in there with an expense ratio on-par with Vanguard, you could throw that in too.