Author Topic: New job, need help with Fidelity 401(k) fund options...  (Read 353 times)

psychomaggle

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New job, need help with Fidelity 401(k) fund options...
« on: January 31, 2019, 10:58:41 AM »
These are my options for funds from my new employer. Thoughts on these funds? I'm thinking my best bet is the first one: COL LARGE CAP IDX I2 (CLXRX)

Name/Inception Date   Asset Class   Category   1 Year   3 Year   5 Year   10 Year/LOF*   Returns As Of   Bench- mark   Gross Expense Ratio**
COL LARGE CAP IDX I2 (CLXRX) 12/15/1993    Stock Investments   Large Cap   -4.60%   9.04%   8.29%   12.93%   12/31/2018   Show    0.20%
JPM VALUE ADV L (JVAIX) 02/28/2005    Stock Investments   Large Cap   -9.05%   6.73%   5.80%   13.27%   12/31/2018   Show    0.86%
MFS MA INV GR STK R6 (MIGNX) 01/01/1935    Stock Investments   Large Cap   1.10%   11.62%   9.31%   14.52%   12/31/2018   Show    0.39%
AB DISC GRTH ADV (CHCYX) 07/07/1938    Stock Investments   Mid-Cap   -4.29%   10.11%   6.43%   16.58%   12/31/2018   Show    0.72%
COL MID CAP INDEX I2 (CPXRX) 03/31/2000    Stock Investments   Mid-Cap   -11.35%   7.40%   5.79%   13.45%   12/31/2018   Show    0.27%
PGIM QMA MDCP VAL Z (SPVZX) 08/19/1998    Stock Investments   Mid-Cap   -19.70%   3.16%   3.42%   11.96%   12/31/2018   Show    0.92%
ABF SM CAP VAL INST (AVFIX) 12/31/1998    Stock Investments   Small Cap   -15.63%   5.14%   2.93%   11.95%   12/31/2018   Show    0.83%
COL SM CAP INDEX I2 (CXXRX) 10/15/1996    Stock Investments   Small Cap   -8.72%   9.23%   6.09%   13.38%   12/31/2018   Show    0.20%
HTFD SM CAP GROWTH Y (HSLYX) 02/19/2002    Stock Investments   Small Cap   -12.02%   5.82%   4.72%   14.37%   12/31/2018   Show    0.79%
BLKRK EMERGING MKT I (MADCX) 09/01/1989    Stock Investments   International   -10.72%   11.28%   1.94%   8.31%   12/31/2018   Show    1.22%
MFS RESEARCH INTL R4 (MRSJX) 01/02/1997    Stock Investments   International   -13.96%   3.06%   0.05%   6.19%   12/31/2018   Show    0.84%
FA HEALTH CARE I (FHCIX) 09/03/1996    Stock Investments   Specialty   7.64%   6.38%   11.14%   18.18%   12/31/2018   Show    0.79%
IVY SCIENCE & TECH I (ISTIX) 07/31/1997    Stock Investments   Specialty   -4.89%   8.90%   5.58%   14.30%   12/31/2018   Show    0.99%
VOYA REAL ESTATE I (CRARX) 12/31/1996    Stock Investments   Specialty   -7.94%   0.30%   6.19%   11.26%   12/31/2018   Show    0.92%
BLKRK LP IDX 2020 IS (LIQIX) 05/31/2011    Blended Investments   N/A   -4.01%   4.60%   3.88%   4.96%   12/31/2018   Show    0.21%
BLKRK LP IDX 2025 IS (LIBIX) 05/31/2011    Blended Investments   N/A   -4.83%   5.16%   4.25%   5.39%   12/31/2018   Show    0.22%
BLKRK LP IDX 2030 IS (LINIX) 05/31/2011    Blended Investments   N/A   -5.60%   5.59%   4.53%   5.75%   12/31/2018   Show    0.23%
BLKRK LP IDX 2035 IS (LIJIX) 05/31/2011    Blended Investments   N/A   -6.40%   6.02%   4.81%   6.07%   12/31/2018   Show    0.23%
BLKRK LP IDX 2040 IS (LIKIX) 05/31/2011    Blended Investments   N/A   -7.12%   6.36%   5.03%   6.36%   12/31/2018   Show    0.24%
BLKRK LP IDX 2045 IS (LIHIX) 05/31/2011    Blended Investments   N/A   -7.56%   6.59%   5.18%   6.55%   12/31/2018   Show    0.24%
BLKRK LP IDX 2050 IS (LIPIX) 05/31/2011    Blended Investments   N/A   -7.87%   6.61%   5.23%   6.70%   12/31/2018   Show    0.24%
BLKRK LP IDX 2055 IS (LIVIX) 05/31/2011    Blended Investments   N/A   -7.83%   6.61%   5.29%   6.85%   12/31/2018   Show    0.27%
BLKRK LP IDX RTMT IS (LIRIX) 05/31/2011    Blended Investments   N/A   -3.55%   4.16%   3.55%   4.44%   12/31/2018   Show    0.22%
COL BALANCED I2 (CLREX) 10/01/1991    Blended Investments   N/A   -5.65%   4.74%   5.29%   10.17%   12/31/2018   Show    0.65%
LD ABBETT BD DBNTR I (LBNYX) 04/01/1971    Bond Investments   Income   -3.77%   5.85%   4.10%   9.21%   12/31/2018   Show    0.60%
LD ABBETT TOT RTN I (LTRYX) 12/14/1998    Bond Investments   Income   -0.60%   2.50%   2.66%   5.04%   12/31/2018   Show    0.47%
PGIM HIGH YIELD Z (PHYZX) 03/29/1979    Bond Investments   Income   -1.29%   7.04%   4.20%   10.40%   12/31/2018   Show    0.55%
FID GOVT MMKT (SPAXX) 02/05/1990 7 day yield as of 12/31/2018   2.02%    Short-Term Investments   N/A   1.47%   0.67%               0.42%

letsdoit

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #1 on: January 31, 2019, 11:02:13 AM »
the fidelity funds my place offers are all sheet

fortunate that offer VG funds  too

bw_94

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #2 on: January 31, 2019, 11:08:47 AM »
These are my options for funds from my new employer. Thoughts on these funds? I'm thinking my best bet is the first one: COL LARGE CAP IDX I2 (CLXRX)

Name/Inception Date   Asset Class   Category   1 Year   3 Year   5 Year   10 Year/LOF*   Returns As Of   Bench- mark   Gross Expense Ratio**
COL LARGE CAP IDX I2 (CLXRX) 12/15/1993    Stock Investments   Large Cap   -4.60%   9.04%   8.29%   12.93%   12/31/2018   Show    0.20%
COL SM CAP INDEX I2 (CXXRX) 10/15/1996    Stock Investments   Small Cap   -8.72%   9.23%   6.09%   13.38%   12/31/2018   Show    0.20%


I would do some combination of those two (maybe 85-15 large to small cap), or 100% to the large cap one. Those expense ratios are pretty crazy though.

psychomaggle

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #3 on: January 31, 2019, 11:12:35 AM »
Thanks and yeah I thought these were pretty crap options. My last employer had a decent Fidelity 500 Index Fund and I went with that. At least my thinking is on track.

terran

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #4 on: January 31, 2019, 12:11:50 PM »
These are my options for funds from my new employer. Thoughts on these funds? I'm thinking my best bet is the first one: COL LARGE CAP IDX I2 (CLXRX)

Name/Inception Date   Asset Class   Category   1 Year   3 Year   5 Year   10 Year/LOF*   Returns As Of   Bench- mark   Gross Expense Ratio**
COL LARGE CAP IDX I2 (CLXRX) 12/15/1993    Stock Investments   Large Cap   -4.60%   9.04%   8.29%   12.93%   12/31/2018   Show    0.20%
COL SM CAP INDEX I2 (CXXRX) 10/15/1996    Stock Investments   Small Cap   -8.72%   9.23%   6.09%   13.38%   12/31/2018   Show    0.20%


I would do some combination of those two (maybe 85-15 large to small cap), or 100% to the large cap one. Those expense ratios are pretty crazy though.

That's where my eye goes too. An 80/20 mix of those would probably be pretty similar to a total US market fund.

The target date funds, like BLKRK LP IDX 2055 IS (LIVIX), would also be a fine option. All the funds are a little higher expense than the ideal versions of other funds, but these target date funds are no more expensive compared to your other options than other target date funds are compared to other options one might find as alternatives to them. For example, in an IRA you might be able to get VTSAX for 0.04% expense ratio (or whatever it's at now) and the vanguard target date fund for 0.15%, and get some extra bond and international exposure. For your options you're looking at an even smaller difference and would probably also get some extra diversification without having to rebalance.

psychomaggle

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #5 on: January 31, 2019, 03:41:00 PM »
Thanks all. This is helping me make a decision for sure.

MustacheAndaHalf

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #6 on: February 02, 2019, 09:30:45 PM »
I would actually opt for the target date fund... are you retiring 30 years from now?  If so you'd pick this one:

BLKRK LP IDX 2050 IS (LIPIX) 05/31/2011    Blended Investments   N/A   -7.87%   6.61%   5.23%   6.70%   12/31/2018   Show    0.24%

Most of your choices have high expense ratios, which narrows your choice to the two U.S. funds with 0.20% expense ratios and the target date funds ranging from 0.21% to 0.24% expense ratios.  Paying 0.04% more gets you international, which is a good trade off.  And while this target date fund has almost no bonds, you do get a tiny percentage of bonds as well.  Plus the fund changes allocation over time, so you don't need to deal with rebalancing.

shinn497

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #7 on: February 03, 2019, 02:12:02 AM »
assuming you won't wash sale. Large Cap, Mid Cap, Small Cap, and international. With a value tilt.

I'd go 30 20 20 30 in the same order. Or even 25, 20, 15, 40. But that is me.

MustacheAndaHalf

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Re: New job, need help with Fidelity 401(k) fund options...
« Reply #8 on: February 03, 2019, 03:06:05 AM »
assuming you won't wash sale. Large Cap, Mid Cap, Small Cap, and international. With a value tilt.
I'd go 30 20 20 30 in the same order. Or even 25, 20, 15, 40. But that is me.
OP isn't going to have a wash sale on mutual funds only owned inside a 401(k) and nowhere else.

Also, everyone else is mentioning specific funds and expense ratios, which you don't mention.