401k questions

[lkleeb]

Thanks in advance for everybodys help.
The only vanguard funds that I have access to through my company 401k is the:
VIFSX: Vanguard 500 index signal
VSISX: Vanguard small cap index signal

My current allocation in my 401k is 90% in the VSISX and 10% in the VIFSX.
I am 30 years old and right now plan on retiring around 60.
What percentage should I have or am I doing it right? THANKS!

[johnny847]

I would recommend you flip these allocations. You've got 90% in small caps and 10% in large caps (S&P)! That is incredibly risky, even riskier than the 100% stocks allocation that some people discuss doing (that 100% stocks usually means 100% VTSAX, which is mostly large caps, and some medium and small caps).

And don't limit yourself to Vanguard index funds in a 401k. List out all index funds and their expense ratios and pick from those.

[GGNoob]

Go ahead and list out all of your cheaper funds. It would be nice to at least include an international index fund.

[DrF]

If you are comfortable with 90% small cap, then by all means keep it. 90/10 small/large is a completely valid allocation (if you can handle the slightly increased volatility).

I would, however, change your allocation once you are FIRE.