Author Topic: Help Me with 401K Contributions - New Funds Available at Fidelity  (Read 3897 times)

z6_esb

  • 5 O'Clock Shadow
  • *
  • Posts: 29
I am 33 with about $100k. 
 I have Roth IRA at Vanguard with:
Vanguard Total Bond Market Index Fund    VBMFX 20%
Vanguard Total Stock Market Index Fund    VTSMX40%
Vanguard Total International Stock Index Fund VGTSX 32%
Vanguard REIT Index Fund VGSIX 8%

Significant other has 401K and Roth IRA at Vanguard.  Currently all in Target 2050

I will update/edit if you require more information.

Current:

Stock Investments   LARGE CAP   FID 500 INDEX PR   (FUSVX) 90%
Bond Investments   INCOME   FID TOTAL BOND (FTBFX)   10%

I am consdering this to have some bonds, total market, and some international exposure:
Updated

FID Total Bonds (FTBFX) 10%  ER = 0.45%
FID EXT MKT IDX PR (FSEVX)65% ER = 0.07% or 
FID 500 INDEX PR   (FUSVX) 65% ER = 0.07%
FID INTL INDEX PR (FSIVX) 25% ER = 0.17% <--gross   Net = 0.12%


Here is what is available to me.  What are some recommendations?
Name/Inception Date   Asset Class   Category   1 Year   3 Year   5 Year   10 Year/LOF*   Returns As Of
ABF LG CAP VAL INV (AAGPX)07/17/1987   Stock Investments   Large Cap   -7.51%   6.31%   9.07%   5.32%   5/31/2016
 FID 500 INDEX PR (FUSVX)02/17/1988   Stock Investments   Large Cap   1.69%   11.01%   11.62%   7.38%   5/31/2016
FID CAPITAL APPREC (FDCAX)11/26/1986   Stock Investments   Large Cap   -4.58%   9.78%   11.26%   7.11%   5/31/2016
FID CONTRAFUND (FCNTX)05/17/1967   Stock Investments   Large Cap   1.32%   11.46%   11.43%   8.40%   5/31/2016
NB SOCIALLY RESP TR (NBSTX)03/16/1994   Stock Investments   Large Cap   -0.34%   9.68%   8.83%   6.78%   5/31/2016
OAKMARK FUND I (OAKMX)08/05/1991   Stock Investments   Large Cap   -2.68%   9.10%   11.56%   8.40%   5/31/2016
AB DISC VALUE A (ABASX)03/29/2001   Stock Investments   Mid-Cap   -2.89%   7.94%   8.87%   7.69%   5/31/2016
COLUMBIA ACORN Z (ACRNX)06/10/1970   Stock Investments   Mid-Cap   -6.34%   5.34%   6.43%   6.41%   5/31/2016
FID EXT MKT IDX PR (FSEVX)11/05/1997   Stock Investments   Mid-Cap   -6.01%   8.11%   8.88%   7.70%   5/31/2016
FID LOW PRICED STK (FLPSX)12/27/1989   Stock Investments   Mid-Cap   -3.82%   8.15%   9.55%   7.79%   5/31/2016
JANUS TRITON T (JATTX)02/25/2005   Stock Investments   Small Cap   -1.93%   11.48%   11.02%   11.05%   5/31/2016
LOOMIS SM CAP VAL R (LSCRX)05/13/1991   Stock Investments   Small Cap   -0.60%   8.34%   8.88%   7.29%   5/31/2016
DEUT GLB SM CAP S (SGSCX)09/10/1991   Stock Investments   International   -7.57%   3.65%   4.56%   4.49%   5/31/2016
FID INTL DISCOVERY (FIGRX)12/31/1986   Stock Investments   International   -7.48%   3.68%   3.65%   3.14%   5/31/2016
FID INTL INDEX PR (FSIVX)11/05/1997   Stock Investments   International   -9.95%   2.14%   2.12%   2.01%   5/31/2016
WF EMRG MKTS EQ IS (EMGNX)09/06/1994   Stock Investments   International   -11.10%   -4.32%   -4.00%   4.70%   5/31/2016
FID BALANCED (FBALX)11/06/1986   Blended Investment*   N/A   -0.89%   7.97%   8.17%   6.33%   5/31/2016
FID FREEDOM K 2005 (FFKVX)07/02/2009   Blended Investment*   N/A   -0.44%   3.88%   3.90%   7.27%   5/31/2016
FID FREEDOM K 2010 (FFKCX)07/02/2009   Blended Investment*   N/A   -0.89%   4.51%   4.65%   8.21%   5/31/2016
FID FREEDOM K 2015 (FKVFX)07/02/2009   Blended Investment*   N/A   -1.33%   4.81%   4.87%   8.51%   5/31/2016
FID FREEDOM K 2020 (FFKDX)07/02/2009   Blended Investment*   N/A   -1.67%   5.08%   5.05%   9.25%   5/31/2016
FID FREEDOM K 2025 (FKTWX)07/02/2009   Blended Investment*   N/A   -2.25%   5.69%   5.60%   10.00%   5/31/2016
FID FREEDOM K 2030 (FFKEX)07/02/2009   Blended Investment*   N/A   -3.07%   5.97%   5.79%   10.38%   5/31/2016
FID FREEDOM K 2035 (FKTHX)07/02/2009   Blended Investment*   N/A   -3.64%   6.28%   6.02%   10.77%   5/31/2016
FID FREEDOM K 2040 (FFKFX)07/02/2009   Blended Investment*   N/A   -3.63%   6.36%   6.06%   10.90%   5/31/2016
FID FREEDOM K 2045 (FFKGX)07/02/2009   Blended Investment*   N/A   -3.61%   6.44%   6.16%   11.04%   5/31/2016
FID FREEDOM K 2050 (FFKHX)07/02/2009   Blended Investment*   N/A   -3.59%   6.47%   6.09%   11.10%   5/31/2016
FID FREEDOM K 2055 (FDENX)06/01/2011   Blended Investment*   N/A   -3.56%   6.64%   N/A   6.61%   5/31/2016
FID FREEDOM K 2060 (FDKNX)08/05/2014   Blended Investment*   N/A   -3.60%   N/A   N/A   2.61%   5/31/2016
FID FREEDOM K INCOME (FFKAX)07/02/2009   Blended Investment*   N/A   0.32%   3.00%   3.21%   5.37%   5/31/2016
FID STRAT REAL RET (FSRRX)09/07/2005   Blended Investment*   N/A   -2.80%   -1.16%   0.23%   2.40%   5/31/2016
MIP CL 109/07/19897 day yield as of05/31/2016   1.28%   Bond Investments   Stable Value   1.20%   1.06%   1.14%   1.97%   5/31/2016
BLKRK INFL PRO BD K (BPLBX)06/28/2004   Bond Investments   Income   0.02%   -0.18%   1.98%   4.55%   5/31/2016
 FID TOTAL BOND (FTBFX)10/15/2002   Bond Investments   Income   2.39%   2.94%   3.73%   5.33%   5/31/2016
FIDELITY GOVT INCOME (FGOVX)04/04/1979   Bond Investments   Income   2.46%   2.32%   2.75%   4.58%   5/31/2016
LOOMIS GLBL BD INST (LSGBX)05/10/1991   Bond Investments   Income   3.28%   0.30%   0.90%   4.22%   5/31/2016
FID GOVT MMRK PRM (FZCXX)02/05/19907 day yield as of05/31/2016   0.12%   Short-Term Investments   N/A   0.04%   0.02%   0.02%   1.04%   5/31/2016
« Last Edit: June 15, 2016, 02:37:25 PM by z6_esb »

johnny847

  • Magnum Stache
  • ******
  • Posts: 3192
    • My Blog
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #1 on: June 15, 2016, 02:13:01 PM »
I am consdering this to have some bonds, total market, and some international exposure:
FID Total Bonds (FTBFX) 10%
FID EXT MKT IDX PR (FSEVX)65%
FID INTL INDEX PR (FSIVX) 25%

That is the extended market index, which is mid caps and small caps. Specifically, it's what you'd have if you took the total market index and then removed the S&P 500.

rpr

  • Pencil Stache
  • ****
  • Posts: 657
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #2 on: June 15, 2016, 02:18:35 PM »
What we need are the Expense ratios? Also how much simplicity do you want in your portfolios.

If simplicity is desired and the expense ratios of the Target date funds are low, then those may be advisable.

If you are ok with rebalancing then a three/four fund portfolio with

FUSVX
(FSEVX)
FSIVX
FTBFX

may work well.

z6_esb

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #3 on: June 15, 2016, 02:19:16 PM »
I am consdering this to have some bonds, total market, and some international exposure:
FID Total Bonds (FTBFX) 10%
FID EXT MKT IDX PR (FSEVX)65%
FID INTL INDEX PR (FSIVX) 25%

That is the extended market index, which is mid caps and small caps. Specifically, it's what you'd have if you took the total market index and then removed the S&P 500.

Oh, thanks!  I will update.  I thought it was in addition to.

johnny847

  • Magnum Stache
  • ******
  • Posts: 3192
    • My Blog
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #4 on: June 15, 2016, 02:24:11 PM »
I am consdering this to have some bonds, total market, and some international exposure:
FID Total Bonds (FTBFX) 10%
FID EXT MKT IDX PR (FSEVX)65%
FID INTL INDEX PR (FSIVX) 25%

That is the extended market index, which is mid caps and small caps. Specifically, it's what you'd have if you took the total market index and then removed the S&P 500.

Oh, thanks!  I will update.  I thought it was in addition to.

If you want a total market index, you can hold S&P 500 and that conpletion index in a 4:1 ratio.

This is one more fund to keep in balance. And the performance of the S&P 500 is pretty close to that of the total market. You have to weigh the inconvenience of adding anther fund to your portfolio vs getting that total market.

z6_esb

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #5 on: June 15, 2016, 02:25:26 PM »
What we need are the Expense ratios? Also how much simplicity do you want in your portfolios.

If simplicity is desired and the expense ratios of the Target date funds are low, then those may be advisable.

If you are ok with rebalancing then a three/four fund portfolio with

FUSVX
(FSEVX)
FSIVX
FTBFX

may work well.

added to top as well:
FID Total Bonds (FTBFX) 10%  ER = 0.45%
FID EXT MKT IDX PR (FSEVX)65% ER = 0.07% or 
FID 500 INDEX PR   (FUSVX) 65% ER = 0.07%
FID INTL INDEX PR (FSIVX) 25% ER = 0.17% <--gross   Net = 0.12%

rpr

  • Pencil Stache
  • ****
  • Posts: 657
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #6 on: June 15, 2016, 02:29:50 PM »
What we need are the Expense ratios? Also how much simplicity do you want in your portfolios.

If simplicity is desired and the expense ratios of the Target date funds are low, then those may be advisable.

If you are ok with rebalancing then a three/four fund portfolio with

FUSVX
(FSEVX)
FSIVX
FTBFX

may work well.

added to top as well:
FID Total Bonds (FTBFX) 10%  ER = 0.45%
FID EXT MKT IDX PR (FSEVX)65% ER = 0.07% or 
FID 500 INDEX PR   (FUSVX) 65% ER = 0.07%
FID INTL INDEX PR (FSIVX) 25% ER = 0.17% <--gross   Net = 0.12%

I would pick FUSVX over FSEVX.

Another thing. Look at your portfolio as a whole when deciding asset allocation. Do you have other accounts such as IRAs etc? Are you married and if so are your finances done jointly? If so, you may want to look at your partners investments as well. Good luck.

z6_esb

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #7 on: June 15, 2016, 02:35:07 PM »
What we need are the Expense ratios? Also how much simplicity do you want in your portfolios.

If simplicity is desired and the expense ratios of the Target date funds are low, then those may be advisable.

If you are ok with rebalancing then a three/four fund portfolio with

FUSVX
(FSEVX)
FSIVX
FTBFX

may work well.

added to top as well:
FID Total Bonds (FTBFX) 10%  ER = 0.45%
FID EXT MKT IDX PR (FSEVX)65% ER = 0.07% or 
FID 500 INDEX PR   (FUSVX) 65% ER = 0.07%
FID INTL INDEX PR (FSIVX) 25% ER = 0.17% <--gross   Net = 0.12%

I would pick FUSVX over FSEVX.

Another thing. Look at your portfolio as a whole when deciding asset allocation. Do you have other accounts such as IRAs etc? Are you married and if so are your finances done jointly? If so, you may want to look at your partners investments as well. Good luck.

Yes.  I have Roth IRA at Vanguard with:
Vanguard Total Bond Market Index Fund    VBMFX 20%
Vanguard Total Stock Market Index Fund    VTSMX40%
Vanguard Total International Stock Index Fund VGTSX 32%
Vanguard REIT Index Fund VGSIX 8%

 Significant other has 401K and Roth IRA at Vanguard.  Currently all in Target 2050
« Last Edit: June 15, 2016, 02:36:49 PM by z6_esb »

jakubdudek

  • 5 O'Clock Shadow
  • *
  • Posts: 20
  • Age: 41
  • Location: Wilmington MA
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #8 on: June 16, 2016, 08:05:57 AM »
Just a note, if you have a fidelity 401k, it is possible to link it with a 401k brokerage link account (may depend on the details of your employer's plan) in which you can have access to the entire stock market rather than the few funds fidelity presents to you.  This opens the door to very low cost index ETFs or even other mutual funds that are not on the list of your 401k.  There was no fee to set that up.

Again this may depend on how your employer set up the plan, but as far as fidelity is concerned this is possible.

z6_esb

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Help Me with 401K Contributions - New Funds Available at Fidelity
« Reply #9 on: June 16, 2016, 08:12:39 AM »
Just a note, if you have a fidelity 401k, it is possible to link it with a 401k brokerage link account (may depend on the details of your employer's plan) in which you can have access to the entire stock market rather than the few funds fidelity presents to you.  This opens the door to very low cost index ETFs or even other mutual funds that are not on the list of your 401k.  There was no fee to set that up.

Again this may depend on how your employer set up the plan, but as far as fidelity is concerned this is possible.

Thanks for this.  I have seen that as a button/banner on the site but have not investigated.