I was hoping I could lean on your collective wisdom. I've just started a new job (yay!), with a pay raise (yay!), and a real 401k (yay!) with a 4% match (yay!) that I'm planning on maxing out in 2016 (yay! yay!).
The downside: I strongly suspect that most if not all of my fund options in the 401k are not the greatest. There is nary an index fund among them, and ... ugh. I'm really frustrated. I've already sent some feedback to HR about being interested in some broad index funds being added to the plan, but that's the long game. In the short term, I need to pick a/some fund(s) to invest my money in.
The 401k is with Fidelity. I do have their target date funds available, but in my experience at a previous job, and looking at their historical returns, the target date funds from Fidelity are all garbage, so I'm writing those off as options.
My next 'usual' strategy is to pick one from each of the 'categories' (large cap, mid cap, small, bonds, etc) that has the lowest fees and split my contribution among them as per my asset allocation plan.
Is there anything else I should be looking at? Other factors I should be considering?
Name/Inception Date | Asset Class | Category | Gross Expense Ratio | Shareholder Fees |
COL CONTRARN CORE Z (SMGIX) 12/14/1992 | Stock Investments | Large Cap | 0.87% | No additional fees apply. |
COL DIVIDEND OPP Z (CDOZX) 08/01/1988 | Stock Investments | Large Cap | 0.75% | No additional fees apply. |
JPM LG CAP GROWTH R6 (JLGMX) 02/28/1992 | Stock Investments | Large Cap | 0.61% | No additional fees apply. |
FA MID CAP II I (FIIMX) 08/12/2004 | Stock Investments | Mid-Cap | 0.85% | No additional fees apply. |
LD ABT VALUE OPPS I (LVOYX) 12/30/2005 | Stock Investments | Mid-Cap | 0.92% | No additional fees apply. |
VICTORY S ESTB VAL I (VEVIX) 08/16/1983 | Stock Investments | Mid-Cap | 0.66% | No additional fees apply. |
FA SM CAP VAL I (FCVIX) 11/03/2004 | Stock Investments | Small Cap | 1.19% | Short term trading fees of 1.5% for fee eligible shares held less than 90 days. |
FA SMALL CAP I (FSCIX) 09/09/1998 | Stock Investments | Small Cap | 0.7% | No additional fees apply. |
JANUS TRITON I (JSMGX) 02/25/2005 | Stock Investments | Small Cap | 0.79% | No additional fees apply. |
FA INTL SM CAP I (FIXIX) 09/18/2002 | Stock Investments | International | 1.09% | Short term trading fees of 2% for fee eligible shares held less than 90 days. |
FA WORLDWIDE I (FWIFX) 05/30/1990 | Stock Investments | International | 0.99% | Short term trading fees of 1% for fee eligible shares held less than 30 days. |
OPP DEVELOPING MKT Y (ODVYX) 11/18/1996 | Stock Investments | International | 1.08% | No additional fees apply. |
OPPHMR INTL GRTH Y (OIGYX) 03/25/1996 | Stock Investments | International | 0.89% | No additional fees apply. |
FA REAL ESTATE INC I (FRIRX) 02/04/2003 | Stock Investments | Specialty | 0.77% | Short term trading fees of .75% for fee eligible shares held less than 90 days. |
CALMOS MKT NEU/INC I (CMNIX) 09/04/1990 | Stock Investments | Other | 0.97% | No additional fees apply. |
FKLN CNSV ALLOC ADV (FTCZX) 12/31/1996 | Stock Investments | Other | 1.02% | No additional fees apply. |
FA BALANCED I (FAIOX) 01/06/1987 | Blended Investments | N/A | 0.66% | No additional fees apply. |
FA FREEDOM 2005 A (FFAVX) 11/06/2003 | Blended Investments | N/A | 0.81% | No additional fees apply. |
FA FREEDOM 2010 A (FACFX) 07/24/2003 | Blended Investments | N/A | 0.85% | No additional fees apply. |
FA FREEDOM 2015 A (FFVAX) 11/06/2003 | Blended Investments | N/A | 0.89% | No additional fees apply. |
FA FREEDOM 2020 A (FDAFX) 07/24/2003 | Blended Investments | N/A | 0.91% | No additional fees apply. |
FA FREEDOM 2025 A (FATWX) 11/06/2003 | Blended Investments | N/A | 0.95% | No additional fees apply. |
FA FREEDOM 2030 A (FAFEX) 07/24/2003 | Blended Investments | N/A | 0.99% | No additional fees apply. |
FA FREEDOM 2035 A (FATHX) 11/06/2003 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM 2040 A (FAFFX) 07/24/2003 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM 2045 A (FFFZX) 06/01/2006 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM 2050 A (FFFLX) 06/01/2006 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM 2055 A (FHFAX) 06/01/2011 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM 2060 A (FDKPX) 08/05/2014 | Blended Investments | N/A | 1.01% | No additional fees apply. |
FA FREEDOM INC A (FAFAX) 07/24/2003 | Blended Investments | N/A | 0.75% | No additional fees apply. |
FA GLOBAL BAL I (FGLIX) 02/01/1993 | Blended Investments | N/A | 1.02% | Short term trading fees of 1% for fee eligible shares held less than 30 days. |
COL INCOME OPPS Z (CIOZX) 06/19/2003 | Bond Investments | Income | 0.88% | No additional fees apply. |
FA EMERG MKT INC I (FMKIX) 03/10/1994 | Bond Investments | Income | 0.95% | Short term trading fees of 1% for fee eligible shares held less than 90 days. |
FA GOV INCOME I (FVIIX) 04/04/1979 | Bond Investments | Income | 0.51% | No additional fees apply. |
JANUS FLEXIBLE BD I (JFLEX) 07/07/1987 | Bond Investments | Income | 0.61% | No additional fees apply. |
COL INCOME BUILDER Z (CBUZX) 02/16/2006 | Bond Investments | N/A | 0.81% | No additional fees apply. |
FID RETIRE MMKT (FRTXX) 12/02/1988 7 day yield as of 09/30/2015 0.01% | Short-Term Investments | N/A | 0.42% | No additional fees apply. |