Author Topic: Help With New 401K Options  (Read 1162 times)


  • 5 O'Clock Shadow
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Help With New 401K Options
« on: November 16, 2016, 12:00:06 PM »
So unfortunately my company is switching to a new provider, as a result it seems I am losing the ability to mirror the market exactly with inexpensive index funds.  But hey not all is lost, we're getting access to fancy-pants money managers, typically only provided to high-net worth individuals! (sarcasm)

Anyways, here are the options (I eliminated the ridiculous choices):

Blackrock Equity Index - Fee: 0.03%, obviously will utilize this for a large portion of the account
Blackrock EAFE Index - Fee: 0.07%, another great option for my international exposure
2060 Index Fund - Fee: 0.16%, 56% US/37% Intl/3% Bond, probably won't use this but not horrible

US Small/Mid Cap - Active - Fee: 0.81%, This is the big stinker...this fund looks like my only "pure" exposure to US equities outside the S& a price of .81%.  No clue why they didn't include a comparable fund to VEXAX

So what do you guys think?  Should I just split my $ between the S&P 500 index and the International index and then get my exposure to small/mid caps outside my 401?

Jeremy E.

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Re: Help With New 401K Options
« Reply #1 on: December 20, 2016, 04:29:45 PM »
I don't even really think you need small cap, and there is some mid Cap in the s&p 500 already, I would put at least 80% into the s&p 500 fund and the rest in international, but to each his own.