Hi everyone,
I've been mostly ambivalent about my choices in my employer's 401k plan ever since I wised up on investing and learned that they were all pretty bad. But I was looking at them again tonight and was wondering if anyone wanted to weigh in and suggest any adjustments that might benefit me, however slightly.
My given options are:
Blackrock Capital Appreciation Portfolio C
Blackrock Global Allocation C
Blackrock International C
Blackrock Large Cap Core C
Blackrock Large Cap Value C
Blackrock Value Opportunities C
Davis New York Venture C
Jp Morgan Dynamic Small Cap Growth C
Mfs Total Return C
I'm not planning on staying in this job forever (and actually, a potential new job opportunity just fell through, prompting some reconsidering of my choices in a variety of areas, including 401k holdings), so at the moment I'm shoveling money into Blackrock Capital Appreciation, Blackrock Large Cap Core, Blackrock Large Cap Value, and Jp Morgan Dynamic Small Cap Growth roughly equally with the hope that before too long I can roll them over into my Vanguard IRA and some sweet, sweet VTSAX action, but at the moment, where should my contributions be going? Blackrock Capital Appreciation seems, on its face, to be most compatible with my longterm growth goals, and it has the lowest expense ratio (1.9% vs. 2.0%+, I know, I know), but the turnover (134%) seems really high. Is that already factored into the expense ratio, or am I going to be seeing the effects of that churn elsewhere?
For what it's worth, my employer is a small firm that outsources its retirement plan dealings to Paychex, so I'm not likely to get any changes made by making a case to HR.
Thanks!