My work is transitioning 401(k) administrators from Northwestern Mutual to Advised Assets Group and I need advice for which fund(s) are the least bad. I'm 32, am maxing my 401(k), and about 12-15 years away from retirement. I'd like to replicate VTSAX as close as I can while keeping the ER as low as possible. The fund choices are as follows:
Fund Ticker ER
Great West Lifetime 2015 Fund MXLZX 0.98
Great West Lifetime 2020 Fund MXAHX 1.09
Great West Lifetime 2025 Fund MXFLX 1.02
Great West Lifetime 2030 Fund MXAUX 1.15
Great West Lifetime 2035 Fund MXLLX 1.04
Great West Lifetime 2040 Fund MXBEX 1.12
Great West Lifetime 2045 Fund MXRLX 1.05
Great West Lifetime 2050 Fund MXBQX 1.15
Great West Lifetime 2055 Fund MXXLX 1.06
Great West Conserv Profile II Fund INV MXCPX 0.91
Great West Moderate Profile II Fund INV MXMPX 1.04
Great West Aggressive Profile II Fund INV MXAPX 1.21
American Funds Capital World G/I R3 RWICX 1.10
American Funds New World FUND R3 RNWCX 1.34
Great West International Index Fund INV MXINX 0.71
MFS International Diversification R3 MDIHX 1.21
Templeton Foreign Fund A TEMFX 1.22
Great West Real Estate Index Fund Inv MXREX 0.75
Invesco Energy INV FSTEX 1.28
MFS Utilities A MMUFX 0.99
PIMCO Commodity Real Ret Strat A PCRAX 1.53
American Beacon Small CP VAL A ABSAX 1.22
Janus Henderson Venture S JVTSX 1.19
Baird Midcap INV BMDSX 1.08
Great West Goldman Sachs MDCPVAL FUND MXMVX 1.24
Great West S&P MIDCAP 400 Index FUND MXMDX 0.61
Blackrock Equity Dividend A MDDVX 0.97
Great West S&P500 Index FUND MXVIX 0.56
MFS Value A MEIAX 0.86
T. Rowe Price Growth Stock Adv TRSAX 0.93
American Funds American Balanced R3 RLBCX 0.93
AllianzGI High Yield Bond A AYBAX 0.98
Blackrock Inflation Protected Bond INV A BPRAX 1.02
Great West Bond Index Fund INV MXBIX 0.50
Janus Henderson Flexible Bond S JADFX 0.94
Oppenheimer International Bond Fund A OIBAX 1.05
PIMCO Diversified Inc. A PDVAX 1.16
PIMCO Total Return A PTTAX 0.86
I am leaning towards just going 100% into the S&P500 fund (MXVIX at 0.56% ER) but am also considering throwing maybe 20% at Midcap 400 (MXMDX at 0.61 ER). Anyone have any suggestions or thoughts on these 401(k) options?