So, I will finally be eligible for my company's 401k come October (technically August, but open enrollment won't be until October), so I'm a little excisted about that. As such, I've begun to look at what I can invest it in. Sadly, it's through First Mercantile, and not Vanguard, and none of the funds I've already read about here and elsewhere are offered, save for Vanguard's total bond index. As such, I have decided to inquire the investors here, who have much more experience and knowledge than myself.
So, my first question is going to be where do you guys think I should put my money? For what it's worth, for long term investing, I feel comfortable with moderately aggressive investments. I don't mind having some money in riskier areas, but not a huge portion of it.
I'll add here all the info that seems to be relevant. I'd add all links to save space, but some of these funds I can't find anywhere (maybe I don't know where to look).
1) FMT Lifestyle Income and Conservative Growth
-Expense ratio appears to be 1.27
-Risk level 4/8 and consists 25% equity funds, 60% fixed income funds and 15% cash
2) FMT Lifestyle Moderately Conservative Growth
-Expense ratio is 1.33
-Risk level 5/8 and consists 45% equities, 50% fixed income and 5% cash
3)FMT Lifestyle Moderately Aggressive Growth
-ER is 1.40
-Risk 6/8, consists of 75% equity funds, 25% fixed income
4) FMT Lifestyle Aggressive Growth
-ER 1.43
-Risk 8/8, 92% equity, 8% fixed income
5) FMT SSGA US Treasury Money Market
-ER 1.11
-Risk 1/8, all T-bills, notes, bonds
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SSGXX6) FMT FFTW Income Plus
-ER 1.24
-Risk 1/8
7) FMT Vanguard Total Bond Market Index
-ER 1.01
-Risk 4/8, bond index
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VBTSX8) FMT American Beacon Large Cap Value INST
-ER 1.51
-Risk 6/8, Large market cap US companies
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AADEX9) FMT Vanguard Value Index
-ER 1.01
-Risk 6/8, large cap, value stocks
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VVISX10) FMT DFA US Large Company
-ER 1.01
-Risk 6/8, Basically the S&P500
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DFUSX11) FMT Vanguard Growth Index
-ER 1.01
-Risk 6/8, large cap, growth stocks
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VIGSX12) FMT Vanguard Selected Value
-ER 1.29
-Risk 6/8, Medium size companies, whose stocks have fallen out of favor with investors
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VASVX13) Vanguard Midcap Index
-ER 1.01
-Risk 7/8, Mimics the MSCI US Mid Cap 450 Index
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VMISX14) DFA US Small Cap Value
-ER 1.43
-Risk 7/8, >80% assets in small cap companies
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DFSVX15) DFA US Micro Cap
-ER 1.43
-Risk 8/8, >80% assets in micro cap companies
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DFSCX16) FMT Small Cap Aggressive Growth (CCI/CUPPS)
-ER 1.57
-Risk 7/8, small cap investing in early identification of positive earnings
17) DFA International Value
-ER 1.36
-Risk 7/8, Invests in countries with developed markets and 'value stocks'
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DFIVX18) DFA International Cap Value
-ER 1.62
-Risk 8/8, looks like DFIVX above, but small cap only
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DISVX19) DFA Emerging Markets Core Equity
-ER 1.58
-Risk 8/8, emerging markets
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DFCEX20) DFA Real Estate Securities
-ER 1.09
-Risk 7/8, What appears to be mostly commercial REITs
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DFREXI have some thoughts, myself, but I'd like to know what you guys think. Thanks in advance!