My wife just started a new job and will soon be eligible to participate in the 401k.
We just got the documents about her investment options, and it seems pretty bad to me.
We previously worked for the same employer, and our retirement plans were through Fidelity with lots of Fidelity and Vanguard low cost options available.
We used a simple 3 fund allocation, using Vanguard total stock market index (VITSX), total bond index (VBTLX), and total intl stock index (VTIAX), with bonds = Age-20, and a 60/40 US/Intl split in the stocks. Worked for us, we kept it simple, and the low costs are great. I'm now in the TSP, and my wife with this new plan.
I've attached screenshots of the investment options. We'd like to keep the same allocations, but are unsure with funds to use to approximate our previous plan. I was thinking 80/20 TCLV/CSCI to approximate total US stock index, and use TCIE for Intl stocks, and TCBI for bonds? When it was simple funds through fidelity or vanguard, it was easy for me, now all these crappy funds with high expenses are confusing me. Thanks in advance.