Author Topic: New Mustachian, Hello!  (Read 2966 times)

PsychoCid

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New Mustachian, Hello!
« on: February 09, 2016, 12:14:45 AM »
Hello fellow Mustachians!

I have recently been introduced to MMM financial practices via a friend on aguitarforum and at just the right time.  I'd like to share with you my situation and 401k options in search of any advice I may heed.

My 20s were a time of success of excess, working my way up from an entry level warehouse position to a Director level of a fortune 100 company in a 10 year time span.  Generalized earnings level low 6 figures, which isn't bad for not having a degree.  I just left this company in pursuit of entrepreneurship however it will take some time to get my ship off the ground and within the month I expect to be returning to a similar level and similarly paid position at a fortune 200 brand.

I have only about 42k assets in my 401k however I have zero debt, no family, children, pets or other major concerns.  My monthly expenditures are about $1550 before food and I am soon planning to ditch Verizon for Google FI and cut the cable cord!  I live in LA and have an apartment with a roommate, a buddy since childhood.  I previously had a paid company car so much expenses were lower but no use crying over spilt milk, the new company will also bring a vehicle stipend and/or per mile payment.  I bought a low miles 2006 Buick for 5 grand, had no intention to get caught in the new car trap.  As soon as I am working again, I intend to max out both 401k and IRA investments and further invest (Vanguard?) another $27k/year or more as much as I can afford.

I now have to decide what to do with my previous 401k, is it worth rolling into a Roth or std IRA or leave in?  I would like to share with you the investment options and ask for input on how I should allocate funds and/or whether I should consider other options

Here are the possibilities:
The chart below compares the Plan's 1, 3, and 5 year returns with specific indexes to enable you to see at a glance how your funds are measuring up.

Comparative Indexes   Measures   12 Month Rolling   3 Year Rolling   5 Year Rolling
For periods
ending 12/31/2015         
91-Day Treasury Bill   GSTIF & Stable Value   0.05%   0.05%   0.07%   
Barclays 1-3YR Govt. Credit Index   Short-Term Bond Index   0.65%   0.69%   0.98%   
SSGA Diversified Bond Fund*   Bond Market Index   0.67%   N/A   N/A   
SSgA Custom Global Diversified Asset Index Fund   Global Diversified Asset   -0.18%   6.51%   6.53%   
S&P 500   S&P 500 Equity Index
1.38%   15.14%   12.57%   
S&P 400   S&P 400 Midcap Index   -2.18%   12.76%   10.68%   
Russell 2000   Russell 2000 Index   -4.41%   11.66%   9.19%   
MSCI World ex U.S. Index Fund   Int'l Devlpd Cntry Eqty Index Fund   5.66%   1.50%   1.06%   
MSCI Emerging Markets Index   MSCI Emerging Markets   -16.99%   -4.55%   -3.05%   
SSgA Custom Index Income   Bright Horizon Income   -1.35%   2.56%   4.41%   
SSgA Custom Index 2015   Bright Horizon 2015   -1.58%   4.24%   6.48%   
SSgA Custom Index 2020   Bright Horizon 2020   -1.90%   5.74%   7.33%   
SSgA Custom Index 2025   Bright Horizon 2025   -2.03%   6.70%   7.80%   
SSgA Custom Index 2030   Bright Horizon 2030   -2.03%   7.39%   8.04%   
SSgA Custom Index 2035   Bright Horizon 2035   -2.14%   7.82%   7.97%   
SSgA Custom Index 2040   Bright Horizon 2040   -2.34%   8.16%   7.96%   
SSgA Custom Index 2045   Bright Horizon 2045   -2.45%   8.14%   7.95%   
SSgA Custom Index 2050   Bright Horizon 2050   -2.45%   8.14%   7.95%   
SSgA Custom Index 2055   Bright Horizon 2055   -2.45%   8.14%   N/A   
SSgA Custom Index 2060   Bright Horizon 2060   N/A   N/A   N/A   
Blackrock Strategic Real Asset Index   Strategic Real Asset Fund   -6.69%   -2.85%   N/A   

I will share further descriptions below since the forum says I'm over max char length
Appreciate your opinions!  Thanks in advance!

-Cid

PsychoCid

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Re: New Mustachian, Hello!
« Reply #1 on: February 09, 2016, 12:16:27 AM »
Bright Horizon Income Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Conservative)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon Income Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon Income Fund has on-going static target asset allocation of 26.5% equities, 65% fixed income and 8.5% alternatives.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2015 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Moderate Conservative)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2015 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2015 Fund seeks moderate growth. The beginning asset mix emphasizes a balance of stocks for growth potential, and bonds for diversification. Over time, the Fund becomes more conservative. As the year 2015 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2020, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2020 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Moderate)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each funds' name. The Bright Horizon 2020 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2020 Fund seeks moderate to long-term growth. The beginning asset mix emphasizes a large stock position for long-term growth potential, with a small bond position for diversification. Over time, the Fund becomes more conservative. As the year 2020 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2025, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2025 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Moderate)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2025 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2025 Fund seeks growth. The beginning asset mix emphasizes a balance of stocks for growth potential, and bonds for diversification. Over time, the Fund becomes more conservative. As the year 2025 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2030, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2030 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Moderate Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2030 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2030 Fund seeks long-term growth. The beginning asset mix emphasizes a large stock position for long-term growth potential, with a small bond position for diversification. Over time, the Fund becomes more conservative. As the year 2030 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2035, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2035 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Moderate Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund’s name. The Bright Horizon 2035 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2035 Fund seeks long-term growth. The beginning asset mix emphasizes a large stock position for long-term growth potential, with a small bond position for diversification. Over time, the Fund becomes more conservative. As the year 2035 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2040, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

PsychoCid

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Re: New Mustachian, Hello!
« Reply #2 on: February 09, 2016, 12:17:16 AM »
Bright Horizon 2040 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2040 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2040 Fund seeks long-term growth. The beginning asset mix emphasizes a large stock position for long-term growth potential, with a small bond position for diversification. Over time, the Fund becomes more conservative. As the year 2040 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2045, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2045 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2045 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2045 Fund seeks maximum long-term growth. The beginning asset mix is entirely invested in stocks for long-term growth potential. Over time, the Fund becomes more conservative by decreasing its stock holdings and adding bond exposure. As the year 2045 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2050, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%


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Bright Horizon 2050 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2050 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2050 Fund seeks maximum long-term growth. The beginning asset mix is entirely invested in stocks for long-term growth potential. Over time, the Fund becomes more conservative by decreasing its stock holdings and adding bond exposure. As the year 2050 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2055, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2055 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2055 Fund is one of a series of eleven target retirement date funds offered by the Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2055 Fund seeks maximum long-term growth. The beginning asset mix is entirely invested in stocks for long-term growth potential. Over time, the Fund becomes more conservative by decreasing its stock holdings and adding bond exposure. As the year 2055 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2060, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

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Bright Horizon 2060 Fund

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Manager: State Street Global Advisors

Category: Target Date Fund (Aggressive)

The Bright Horizon Funds are all tied to a different maturity date, as indicated by each fund's name. The Bright Horizon 2060 Fund is one of a series of eleven target retirement date funds offered by the 401(k) Plan. Each fund has a distinct asset allocation. With the exception of the Bright Horizon Income Fund, the asset allocation for each fund begins with higher-risk investments and becomes more conservative as the maturity date of the fund approaches. For example, the Bright Horizon Income Fund is the most conservative fund while the Bright Horizon 2060 Fund is the most aggressive fund in the Bright Horizon family of funds. The fund manager, State Street Global Advisors, uses a disciplined rebalance process to align the Bright Horizon Funds exposures with those of the benchmark.

State Street Global Advisors manages the Bright Horizon Funds in a "fund of funds" approach and each component fund seeks to match the performance and risk characteristics of its respective benchmark.

The Bright Horizon 2060 Fund seeks maximum long-term growth. The beginning asset mix is entirely invested in stocks for long-term growth potential. Over time, the Fund becomes more conservative by decreasing its stock holdings and adding bond exposure. As the year 2060 gets closer, the stock portion of the Fund decreases and the bond and cash portions increase. In the year 2065, the Fund will be mapped into the Bright Horizon Income Fund.

Because the Bright Horizon Funds consist of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the funds' portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors.

Expenses: 0.11%

PsychoCid

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Re: New Mustachian, Hello!
« Reply #3 on: February 09, 2016, 12:18:02 AM »
Government Short-Term Investment Fund

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Manager: State Street Global Advisors

Category: Fixed-Income

The Government Short-Term Investment Fund (GSTIF) consists of direct or indirect ownership interest in short-term debt securities issued by the U.S. Government (such as Treasury bills, notes, bonds and other instruments backed by the U.S. Treasury and its agencies). The Fund’s average maturity is 90 days or less. The Fund may also invest in stripped coupons of U.S. Treasury issues under 13 months and other short-term money market funds whose investments are restricted to the instruments listed above. Because the payment of interest and principal on the Treasury securities that make up this fund is backed by the U.S. Government, this Fund provides you with a means of earning interest income while securing your principal investment against risk of loss.

This fund is intended for short-term investors seeking moderate returns by investing in a diversified portfolio of high-quality fixed income securities. As with any security, an investment in bonds is subject to risk.

Among the Plan’s investment funds, the GSTIF provides the highest degree of safety for your principal investment because payment with respect to U.S. Treasury securities is backed by the full faith and credit of the U.S. Government. However, the return may be lower than the return of the Short-Term Bond Index Fund.

Expenses: 0.07%


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Short-Term Bond Index Fund

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Manager: BlackRock Institutional Trust Company

Category: Fixed-Income

The Short-Term Bond Index Fund seeks to replicate the BlackRock U.S. Short-Term Government/Credit Bond Index Fund. The fund seeks an investment return that approximates as closely as practicable, before expenses, the performance of the Barclay’s Capital U.S. 1-3 Year Government/Credit Bond Index (the “Index”) over the long term. The Index, managed by BlackRock, is comprised of U.S. and international government securities and investment grade corporate securities, as defined by the Index, with maturities ranging between one and three years.

The fund is intended for short-term investors seeking moderate returns by investing in a diversified portfolio of high-quality fixed income securities. As with any security, an investment in bonds is subject to risk.

The fund is managed using a “passive” or “indexing” investment approach, by which BlackRock attempts to replicate, before expenses, the performance of the Index.

Expenses: 0.047%

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US Diversified Bond Fund

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Manager: State Street Global Advisors

Category: Bond

The US Diversified Bond Fund seeks to offer diversified exposure to US investment grade bonds and a disciplined rebalancing process by investing in a custom benchmark index that is 42% Barclays US Intermediate Credit Index, 22% Barclays US Intermediate Government Index, 19% Barclays US MBS Index, 7% Barclays US Long Credit Index, 6% Barclays US ABS Index/Barclays US CMBS (ERISA Only) Index, and 4% Barclays U.S. Treasury Bill 1-3 Month Index.

The Fund is managed using a "passive" or "indexing" investment approach, by which SSgA attempts to replicate, before expenses, the performance of the Diversified Bond Custom Index.

For more information, please review the Facts about the US Diversified Bond Fund.

Expenses: 0.05%

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Global Diversified Asset Fund

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Manager: State Street Global Advisors

Category: Multi-Asset

The Global Diversified Asset Fund seeks to replicate the returns and characteristics of a composite benchmark comprised of U.S. and non-U.S. equities, fixed income and real estate securities while providing daily liquidity. The Global Diversified Asset Fund seeks to be a diversified fund offering investors a broader range of asset classes across equities, fixed income and real assets. The Global Diversified Asset Fund is intended to increase diversification and improve the expected risk adjusted returns while maintaining transparency. The risk and return profile of the Global Diversified Asset Fund is such that it offers potential for higher long-term returns (with greater risk) than the Government Short-Term Investment Fund (GSTIF), the Short-Term Bond Index Fund and the Bond Market Index Fund. The Global Diversified Asset Fund offers less risk than the Standard & Poor’s 500 Equity Index Fund, the Standard & Poor’s 400 Equity Index Fund, the Russell 2000 Index Fund, or the International Developed Country Index Fund. The principal value of the Global Diversified Asset Fund may rise or fall due to changes in the stock and bond markets and other economic conditions.

The Fund is managed using a “passive” or “indexing” investment approach, by which State Street Global Advisors attempts to replicate, before expenses, the performance of the Index. The Global Diversified Asset Fund consists of pooled investment funds managed by State Street Global Advisors. Because the Fund consists of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the Fund’s portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors, the investment manager.

Expenses: 0.07%

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Strategic Real Asset Fund

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Manager: BlackRock Institutional Trust Company

Category: Multi-Asset

The objective of the Strategic Real Asset Fund is to provide access to several non-traditional asset classes used by many large, professionally managed pension plans for additional diversification opportunities. Additionally, the Fund’s underlying investments have real return characteristics and thus help participants better cope with inflation, producing higher returns when inflation is high, and lower returns when inflation subsides and during deflationary periods.

The Fund invests in Treasury Inflation Protected Securities (TIPS); Real Estate; and Commodities.

The Strategic Completion Fund offers defined contribution participants easy access to non-traditional asset classes that are typically under-represented on investment menus. Professionally managed and institutional in quality, the fund can provide a tool to help investors add to or "complete" their personal portfolio and further diversify retirement savings.

This fund is intended for long-term investors seeking to capture real return potential.

The fund is managed using a "passive" or "indexing" investment approach, by which BlackRock attempts to replicate, before expenses, the performance of the Index.

Expenses: 0.125%

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S&P 500 Equity Index Fund

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Manager: BlackRock Institutional Trust Company

Category: Stock

The S&P 500 Equity Index Fund seeks to match the performance of the S&P 500® Index by investing in stocks that make up the index. The S&P 500® Index, considered a large capitalization benchmark, is comprised of a sample of leading US companies in leading industries, and accounts for more than 75% of the market value of all publicly traded stocks in the U.S.

Investing in large-capitalization stocks is the most efficient way to participate in earnings from large U.S. companies. These stocks have the potential for more stable earnings than that of small- or mid-capitalization stocks, and their prices tend to be less volatile. This fund is intended for long-term investors seeking to capture the earnings and growth potential of large U.S. companies.

The fund is managed using a “passive” or “indexing” investment approach, by which BlackRock attempts to replicate, before expenses, the performance of the Index.

Expenses: 0.011%

PsychoCid

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Re: New Mustachian, Hello!
« Reply #4 on: February 09, 2016, 12:18:42 AM »
S&P 400 Midcap Index Fund

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Manager: State Street Global Advisors

Category: Stock

The objective of the Standard & Poor's (S&P) 400 Midcap Index Fund is to replicate as closely as possible, the Standard & Poor's 400 Midcap Index. This fund is comprised of 400 domestic stocks chosen for market size, liquidity and industry group representation as determined by Standard & Poor's. The Fund invests in all 400 stocks in the Index in proportion to their weighting in the Index. The Fund may also hold 2-5% of its value in futures contracts (an agreement to buy or sell a specific security by a specific date at an agreed upon price). The strategy of investing in the same stocks as the Index minimizes the need for trading and therefore results in lower expenses. The Standard & Poor's 400 Midcap Index is widely recognized as a benchmark of 400 stocks of mid-sized companies.

Because stock prices fluctuate, the S&P 400 Midcap Index Fund involves a significant element of risk. Your investment return depends on the rise and fall of the market prices of those stocks that comprise the Fund, as well as dividends paid on those stocks. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. Stock values may be volatile, but over the long term, they have the potential for higher returns than the GSTIF or Short-Term Bond Index Fund. It is important to bear in mind that the value of your investments in this Fund may decrease as well as increase.

The fund is managed using a “passive” or “indexing” investment approach, by which SSgA attempts to replicate, before expenses, the performance of the Index. The S&P 400 Midcap Index Fund is a pooled investment fund managed by State Street Global Advisors. Because the Fund consists of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the Fund's portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors, the investment manager.

Expenses: 0.03%

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Russell 2000 Index Fund

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Manager: State Street Global Advisors

Category: Stock

The objective of the Russell 2000 Index Fund is to provide returns based on the performance of the Russell 2000 Index. The Russell 2000 Index is made up of the 2,000 smallest U.S. companies in the Russell 3000 Index. The Russell 3000 Index is comprised of the 3,000 largest U.S. companies based on total market capitalization (98 percent of the investable U.S. market). The Russell 2000 Index represents approximately 11 percent of the total market capitalization of the Russell 3000 Index. The average market capitalization of the Russell 2000 is approximately $592 million, with companies ranging from $222 million to $1.4 billion in market capitalization. The Russell 2000 Index is a widely recognized benchmark of stocks comprised of smaller U.S. companies.

Like the S&P 500 Equity Index Fund and the International Developed Country Equity Index Fund, the Russell 2000 Index Fund involves a significant element of risk. Your investment return depends on the rise or fall of the market prices of those stocks that comprise the Fund, as well as dividends paid on those stocks. Stock values fluctuate in response to the activities of individual companies, and general economic conditions. Stock values may be volatile, but over the long term, they have the potential for higher returns than the GSTIF or Short-Term Bond Index Fund. It is important to bear in mind that the value of your investment in this Fund may decrease as well as increase.

The fund is managed using a “passive” or “indexing” investment approach, by which State Street Global Advisors attempts to replicate, before expenses, the performance of the Index. The Russell 2000 Index Fund is a pooled investment fund managed by State Street Global Advisors. Because the Fund consists of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the Fund’s portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors, the investment manager.

Expenses: 0.03%

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International Developed Country Equity Index Fund

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Manager: State Street Global Advisors

Category: Stock

The International Developed Country Equity Index Fund seeks to match the performance of the MSCI (Morgan Stanley Capital International) World ex U.S. Index while providing daily liquidity. The MSCI World ex US Index consists of approximately 1,000 stocks in 23 developed countries outside of North and South America including Canada and represents approximately 85 percent of the total market capitalization in those countries. In order to facilitate daily liquidity, the International Developed Country Equity Index Fund usually maintains a small (generally less than 5 percent) position in unleveraged international equity index futures contracts.

Because stock prices fluctuate, the International Developed Country Equity Index Fund involves a significant element of risk. Investment in the Fund is made in U.S. dollars, therefore the fund is exposed to currency risk. Currency risk is the potential for price fluctuations in the dollar value of the fund’s holdings due to changes in foreign currency exchange rates. Other risks include: political and regulatory risks; differences in accounting, auditing, and financial reporting requirements; and potential restrictions on the flow of international capital. It is important to bear in mind that the value of your investment in this fund may decrease as well as increase.

The fund is managed using a “passive” or “indexing” investment approach, by which State Street Global Advisors attempts to replicate, before expenses, the performance of the Index. The International Developed Country Equity Index Fund is a pooled investment fund managed by State Street Global Advisors. Because the Fund consists of a broad variety of individual stocks, voting and tender rights with respect to such individual stocks held in the Fund’s portfolio are not passed through to participants and beneficiaries. Instead, voting rights, if any, are exercised by State Street Global Advisors, the investment manager.

The company Savings Plan will assess a 2% redemption fee for money transferred out of the International Developed Country Equity Index Fund and/or paid out as a distribution within 30 days of investment in the fund. The 2% redemption fee is assessed against the gross proceeds from the sales transaction. This short-term trading fee will only apply to a sale in the International Developed Country Equity Index Fund due to a transfer request and or a distribution. For this purpose, units held longest will be liquidated first and units held the shortest will be liquidated last. The redemption fees assessed are reinvested into the company International Developed Country Equity Trust Fund for the benefit of all participants in the Plan with balances in the International Developed Country Equity Index Fund. This fee is designed to offset market impact and other costs associated with fluctuations in the International Developed Country Equity Index Fund caused by short-term shareholder trading. The 30 day period is determined by the actual trade date. The initial trade date is considered day one. Transactions initiated after the 4:00 p.m. ET stock market close on a business day will have a trade date of the following business day.

Expenses: 0.055%

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MSCI Emerging Markets Index Fund

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Manager: State Street Global Advisors

Category: Stock

The objective of the MSCI Emerging Markets Index Fund is to match the performance of the MSCI Emerging Markets Index by investing in stocks that make up the index. The Morgan Stanley Capital International (MSCI) Emerging Markets index is comprised of foreign stocks representing companies in 26 emerging markets.

This fund is intended for long-term investors seeking to capture the earnings and growth potential of foreign companies in emerging countries throughout the world, including China, Brazil, South Korea, Taiwan and South Africa, among others.

The fund is managed using a “passive” or “indexing” investment approach, by which BlackRock attempts to replicate, before expenses, the performance of the Index.

Expenses: 0.15%

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Self-Directed Brokerage Account (SDBA)

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TD Ameritrade is the new provider for the 401(k) Plan brokerage option effective May 2, 2014. Review the communications sent in March.

The Self-Directed Brokerage Account (SDBA) is a brokerage option from TD Ameritrade that offers you greater investment flexibility. The brokerage option is for experienced investors who wish to invest beyond the 401(k) Plan fund options available.

Through the brokerage option you can invest in most exchange-traded stocks, bonds, CDs, over 100 commission-free ETFs and more than 13,000 mutual funds. In addition, you also have access to robust online research and analysis tools.

There is a $40 annual fee to have a SDBA, collected semi-annually. To learn more about the SDBA, including an overview of the trading fees, review the SDBA Fact Sheet and Fee Schedule.

Once you have an account established, you must transfer money from your core investment options into the Self-Directed Brokerage Account. You must leave a minimum account balance of $500 invested in the 401(k) Plan core funds immediately following the initial transfer to your SDBA. All subsequent transfers into your SDBA must be a minimum of $1,000 and you must always maintain a minimum balance of $500 in the 401(k) Plan investments (excluding your SDBA balance).

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Company Stock Fund

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To limit the effects of frequent trading in the Company Stock Fund a new trading restriction has been added. Participants are not allowed to purchase Company stock in the Company Stock Fund within 5 business days of the dividend record date. Review the e-newsletter sent in March 2014 to learn more.

Manager: Company

Category: Company Stock

The Company Stock Fund (the Fund) invests in the class A common stock of the company. Class A common stock is not listed on a national exchange or traded in an organized over-the-counter market, but each share of class A common stock is convertible into one share of Class B common stock. The return of this Fund is based on the performance of company Class B common stock.

Participants may be eligible for the company 401(k) Savings Plan matching contributions, which are made quarterly in class A common shares of company stock. See the Summary Plan Description for details on the various match schedules.

The fund is not actively managed and is always invested in company class A common stock. This fund does not represent a diversified equity portfolio as the fund is only invested in one stock. It is generally more risky to invest in a single stock than a diversified portfolio of stocks.

Expenses: 0.00%
« Last Edit: February 09, 2016, 01:53:17 AM by PsychoCid »

MustacheAndaHalf

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Re: New Mustachian, Hello!
« Reply #5 on: February 09, 2016, 12:46:13 AM »
Hello!

I think you've incorrectly listed the expense ratios.  I find "0.011%" very unlikely for two reasons: expense ratios are normally cut off after the "0.01%" point, and 0.011% is extremely low.  When I searched for the fund myself, I found BlackRock S&P 500 Index Fund Institutional Shares ("BSPIX") with an expense ratio of 0.11% on morningstar, and again on the website for the fund:
https://www.blackrock.com/investing/products/251378/blackrock-s-p-500-stock-fundinstl-class-fund

I looked closer because I find it surprising that "State Street Global Advisors" (SSgA) would have fees as low as you list.  In general I'd expect "MSCI" index funds to have lower fees that SSgA.

I think you've typed way too much for people to respond to anyways.  If you don't know what data is interesting, you should ask that first.  Copy/pasting paragraphs for dozens of funds is too much to read for others.

PsychoCid

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Re: New Mustachian, Hello!
« Reply #6 on: February 09, 2016, 01:39:33 AM »
Yep, my first post is short and to the point and the others divvy up the investment options info that I'm starting to make sense from

Those expense ratios are copied directly from the 401k websiye.  It's probably more likely that they are using a divisor to make the number appear smaller than it really is versus a fortune 100 just having super awesome deals.  Was hoping someone might decode that for me :)

J.Milly

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Re: New Mustachian, Hello!
« Reply #7 on: February 09, 2016, 02:54:14 PM »
Usually you'd want to go into a broadly diversified index something similar to the Russell 2000 or 3000. Most of us have some money in that (US equity) as well as some foreign exposure and bonds.
I would go ahead and make an investment policy statement and decide what your allocation would be first.
https://www.bogleheads.org/wiki/Investment_policy_statement
Personally I'd do the Russell, for US. The MSCI for foreign exposure and the US diversified Bond Fund.

As for which account to be going into I'll leave that up to some americans to help you with.

Zx

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Re: New Mustachian, Hello!
« Reply #8 on: February 09, 2016, 03:07:50 PM »
Greetings and welcome. You may be the greatest thing that ever lived. Somebody has to be, and I'm sure it will be a Mustachian individual. Well done!

PsychoCid

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Re: New Mustachian, Hello!
« Reply #9 on: February 10, 2016, 02:05:42 AM »
I'm not sure I follow but I thank you for the compliment :)

PsychoCid

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Re: New Mustachian, Hello!
« Reply #10 on: February 10, 2016, 02:20:27 AM »
I realized the expense ratios are stated in terms of your input.  So .03 expense ratio is 3 percent.

Seems S&P500 has a low 1.1 percent expense and high historical return (understanding this is no.guarantee of forward return) - am I an idiot to go full bore into that 100%?

Russell has higher expense at 3% which concerns me more than lower historical return (still high overall)