Author Topic: Empower Retirement  (Read 654 times)

shannyeire

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Empower Retirement
« on: May 15, 2018, 10:30:38 AM »
Hi All

First timer here, figured you guys could probably help. My husband just moved to a new company and their 401K is through Empower Retirement, who we are not familiar with. We would appreciate some advice and thoughts on the offerings. Thanks.

American Century One Choice In Ret I   Asset Allocation   ATTIX
American Century One Choice 2020 I   Asset Allocation   ARBSX
American Century One Choice 2025 I   Asset Allocation   ARWFX
American Century One Choice 2030 I   Asset Allocation   ARCSX
American Century One Choice 2035 I   Asset Allocation   ARLIX
American Century One Choice 2040 I   Asset Allocation   ARDSX
American Century One Choice 2045 I   Asset Allocation   AOOIX
American Century One Choice 2050 I   Asset Allocation   ARFSX
American Century One Choice 2055 I   Asset Allocation   ARENX
American Funds EuroPacific Gr R5   International Funds   RERFX
Fidelity International Index Inv   International Funds   FSIIX
Oppenheimer Developing Markets Y   International Funds   ODVYX
Principal Real Estate Securities Inst   Specialty   PIREX
Goldman Sachs Small Cap Value - Instl   Small Cap Funds   GSSIX
Touchstone Small Company Y   Small Cap Funds   SIGWX
Fidelity Extended Mkt Index Inv   Mid Cap Funds   FSEMX
JPMorgan Mid Cap Value L   Mid Cap Funds   FLMVX
Prudential Jennison Mid Cap Growth Z   Mid Cap Funds   PEGZX
American Funds American Mutual R5   Large Cap Funds   RMFFX
Fidelity 500 Index Inv   Large Cap Funds   FUSEX
T. Rowe Price Blue Chip Growth   Large Cap Funds   TRBCX
Loomis Sayles Bond Instl   Bond Funds   LSBDX
PIMCO Real Return Instl   Bond Funds   PRRIX
Voya Intermediate Bond I   Bond Funds   IICIX
Key Guaranteed Portfolio Fund   Fixed


Edited to add - husband is 45, and I am 46. No kids. Goal is to retire in 9 years to Europe (we are dual citizens). Current assets are c. 750,000. Combined annual income of c. $220,000. Currently living in HCOL area. Our current allocations are about 70/30 - stocks/bonds.
« Last Edit: May 15, 2018, 10:48:40 AM by shannyeire »

oldmannickels

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Re: Empower Retirement
« Reply #1 on: May 15, 2018, 10:36:16 AM »
Hi All

First timer here, figured you guys could probably help. My husband just moved to a new company and their 401K is through Empower Retirement, who we are not familiar with. We would appreciate some advice and thoughts on the offerings. Thanks.

American Century One Choice In Ret I   Asset Allocation   ATTIX
American Century One Choice 2020 I   Asset Allocation   ARBSX
American Century One Choice 2025 I   Asset Allocation   ARWFX
American Century One Choice 2030 I   Asset Allocation   ARCSX
American Century One Choice 2035 I   Asset Allocation   ARLIX
American Century One Choice 2040 I   Asset Allocation   ARDSX
American Century One Choice 2045 I   Asset Allocation   AOOIX
American Century One Choice 2050 I   Asset Allocation   ARFSX
American Century One Choice 2055 I   Asset Allocation   ARENX
American Funds EuroPacific Gr R5   International Funds   RERFX
Fidelity International Index Inv   International Funds   FSIIX
Oppenheimer Developing Markets Y   International Funds   ODVYX
Principal Real Estate Securities Inst   Specialty   PIREX
Goldman Sachs Small Cap Value - Instl   Small Cap Funds   GSSIX
Touchstone Small Company Y   Small Cap Funds   SIGWX
Fidelity Extended Mkt Index Inv   Mid Cap Funds   FSEMX
JPMorgan Mid Cap Value L   Mid Cap Funds   FLMVX
Prudential Jennison Mid Cap Growth Z   Mid Cap Funds   PEGZX
American Funds American Mutual R5   Large Cap Funds   RMFFX
Fidelity 500 Index Inv   Large Cap Funds   FUSEX
T. Rowe Price Blue Chip Growth   Large Cap Funds   TRBCX
Loomis Sayles Bond Instl   Bond Funds   LSBDX
PIMCO Real Return Instl   Bond Funds   PRRIX
Voya Intermediate Bond I   Bond Funds   IICIX
Key Guaranteed Portfolio Fund   Fixed

It might be helpful to know your age and investment goals. Without any of that info I would say this is the best fund in that list as far as return/cost. The 13 year old in me really wants to point out that its called FU SEX.

Spitfire

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Re: Empower Retirement
« Reply #2 on: May 15, 2018, 10:44:59 AM »
Agree on FUSEX, most likely that will have the lowest expense ratio, but it would be a good idea to check and make sure.

shannyeire

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Re: Empower Retirement
« Reply #3 on: May 15, 2018, 10:54:07 AM »
Expense ratio on FUSEX is 0.09%, which is the lowest of them all.

Radagast

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Re: Empower Retirement
« Reply #4 on: May 15, 2018, 11:09:52 AM »
Going by the names, I'd say a mix of these three is a good choice. I would personally give them equal weight.

Fidelity International Index Inv   International Funds   FSIIX
Fidelity Extended Mkt Index Inv   Mid Cap Funds   FSEMX
Fidelity 500 Index Inv   Large Cap Funds   FUSEX

shannyeire

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Re: Empower Retirement
« Reply #5 on: May 15, 2018, 09:55:11 PM »
Great, thanks for the input.

JetBlast

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Re: Empower Retirement
« Reply #6 on: May 16, 2018, 07:23:33 AM »
Going by the names, I'd say a mix of these three is a good choice. I would personally give them equal weight.

Fidelity International Index Inv   International Funds   FSIIX
Fidelity Extended Mkt Index Inv   Mid Cap Funds   FSEMX
Fidelity 500 Index Inv   Large Cap Funds   FUSEX

^^ This ^^

Weighting is up to you, but these three give you broad market exposure both domestic and international, at very low expenses.