So given that I normally do the 2 fund portfolio and have my bond fund in my rollover IRA already, I think my only option is the first one as the rest are basic. These are institutional shares so the expense ration on FXAIX is 0.015%, which is higher than my Admiral shares in VTSAX and I have no Vanguard choices since the 401(k) is with Fidelity.
Uh, isn't FXAIX expense (0.015%) lower than
VTSAX (0.04%)? It's pretty absurdly low.
Not sure my advice is worth anything, but my own 401k offers FXAIX, and it's the only thing I invest in there.
Thanks. That's what I figured. Thanks for the target TexasRunner. Still hoping to FIRE in 10, so not likely to have that level in this 401k, but we'll see.
Why wouldn't you hit 250k? 19k per year * 9 years gives you 171k. Assuming 5% returns per year and assuming that those returns only come on money already in the account (so in 2019 you would get no market returns, in 2020 you would get returns only on the 19k, etc.) I come up with ~$239k in the account at the end of 2028. That also ignores any match. Seems reasonable that you could very well hit 250k, although it might be in year 8 or 9.