Author Topic: Help please!  (Read 2669 times)


  • 5 O'Clock Shadow
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  • Posts: 11
Help please!
« on: November 03, 2015, 08:03:22 AM »
Hello fellow MMM readers.  I really need help in selecting my 401k investments from below.  I am really disappointed in the funds and have been taking a beating this year.  Could you all give me your opinions on the best allocation percentages from the below funds?  Any advice would be appreciated!  Thanks!


 4002 Voya Fixed Account


0497 Voya Intermediate Bond Fund A
0787 Voya High Yield Portfolio Srv

1162 Voya Index Solution 2055 Port Srv
1540 Voya Index Solution 2025 Port Srv
1543 Voya Index Solution 2035 Port Srv
1546 Voya Index Solution 2045 Port Srv
1549 Voya Index Solution Inc Port Srv
1601 Voya Solution Mod Conserv Prt Srv
1602 Voya Solution Balanced Prt Srv
1875 Voya Solution Conservative Prt Srv
1919 Voya Solution Mod Aggress Prt Srv
3212 Voya Index Solution 2060 Port Srv
3828 Voya Solution Aggressive Prt Srv
6763 Voya Index Solution 2020 Port Srv
6766 Voya Index Solution 2030 Port Srv
6769 Voya Index Solution 2040 Port Srv
6772 Voya Index Solution 2050 Port Srv

0823 American Funds Am Balancd R4


1208 American Funds Fdmntl Inv R4
1826 RidgeWorth Lrg Cp Value Equity Fnd A

0572 American Funds Growth Fnd R4
2170 Fidelity Adv New Insights Fund T

0502 Voya SmallCap Opportunities Prt S
0752 VY JPMorgan Sm Cp Core Eq Prt Srv
0778 VY FMR Diversified Md Cp Port Srv
1055 Victory Sycmr Established Value Fd R
1561 Voya Russell Mid Cap Index Port S
9234 Royce Total Return Fund K

0190 Oppenheimer Developing Markets Fnd A
0573 American Funds EuroPacific R4
1004 American Funds CapWld G&I R4


  • Pencil Stache
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  • Posts: 545
Re: Help please!
« Reply #1 on: November 03, 2015, 08:11:17 AM »
This is impossible to do without information about what your goals are, how risk averse you are, etc. You need to create an investing plan and an asset allocation, then start picking funds.


  • 5 O'Clock Shadow
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  • Posts: 11
Re: Help please!
« Reply #2 on: November 03, 2015, 08:17:29 AM »
I am in my early 30s and ok with high risk.  I guess I am just wondering if anyone can help with what would stand out to them on this list.  My wife and I also have IRAs that are maxed and a couple taxable accounts with Vanguard that I love.  I just don't like our options here and wasn't sure what to go with.  Again, I would be ok with risk as I am still fairly young. 


  • Pencil Stache
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  • Posts: 666
Re: Help please!
« Reply #3 on: November 03, 2015, 09:10:22 AM »
Voya often offers a TD Ameritrade Self Directed Brokerage Account... look in your documentation or account online and see if you can set this up. Cost is usually lower than Voya's fund fees and you can invest in commission free Vanguard ETFs.

Interest Compound

  • Pencil Stache
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  • Posts: 655
Re: Help please!
« Reply #4 on: November 03, 2015, 11:59:16 AM »
Please post the Expense Ratios (yearly fees) along with the funds. If you have trouble finding them on the website, you can look them up on


Wow, a phone plan for fifteen bucks!