Sorry to see you have such poor choices.
Some reading for your consideration:
How to campaign for a better 401(k) plan
Tax-efficient fund placement
Depending on your overall asset allocation strategy, you might want only the S&P 500 in the 401k, bonds in IRAs, and international in taxable.
Thank you! Man no one seems to want to offer advice. I agree it seems pretty bleak when your employer has such poor offerings for their 401k. I am going to do my best to try and persuade the company to change plans but I'm not holding my breath. I've tried in the past at different companies and they all laugh at me when i tell them how much their employees are potentially losing with the current admin.
I am getting ready to max my 401k and roth ira this next year and wanted to be sure I had the correct allocations.
So hypothetically speaking. If I want to save 50,000/yr, 19k is going towards 401k, 6k towards my vanguard Roth IRA and the rest (25k) into taxable accounts.
Being that I'm 32, going on 33 in July, I wanted to be super aggressive with my savings and allocations. What % should be in index funds, bonds, and cash? Assuming I rebalance every year.