Author Topic: Recommendations for ETFs in a 401k  (Read 863 times)

brellis1vt

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Recommendations for ETFs in a 401k
« on: October 25, 2021, 07:58:35 PM »
I was talking to our HR representative today about ETFs in our 401k and she said she would ask about adding any fund I recommended.  Currently we have a decent mix (Vmcix, vinix, vscix, vtsnx), but am curious as to your opinions.  As some background I am currently trying to diversify away from the US more.

EvenSteven

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Re: Recommendations for ETFs in a 401k
« Reply #1 on: October 25, 2021, 09:01:09 PM »
VTI
VXUS
VT

djadziadax

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Re: Recommendations for ETFs in a 401k
« Reply #2 on: October 25, 2021, 09:12:35 PM »
Vinix is the "corporate" version of VTI - that is what I chose.

MustacheAndaHalf

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Re: Recommendations for ETFs in a 401k
« Reply #3 on: October 26, 2021, 08:44:53 AM »
Vinix is the "corporate" version of VTI - that is what I chose.
That's not accurate.  It's an institutional S&P 500 fund, with 506 stocks.
https://investor.vanguard.com/mutual-funds/profile/portfolio/vinix

While the number of stocks in VTI has reached 4025 (!)
https://investor.vanguard.com/etf/profile/portfolio/vti


VTI
VXUS
VT
VXUS and VTSNX have the same 0.08% expense ratio, so the existing VTSNX mutual fund will work just as well:
https://investor.vanguard.com/mutual-funds/profile/VTSNX

The sad thing is that the institutional S&P 500 fund has a 0.035% expense ratio with just 506 stocks, while VTI shares that anyone can buy charges 0.03% per year and holds 4,025 stocks.

Can you convince them to add "VTI" to the mix?  Also, I suspect Vanguard doesn't enforce the $100 million minimum on "institutional plus" funds, so it might be worth asking for VIIIX (expense ratio 0.02%)
https://investor.vanguard.com/mutual-funds/profile/VIIIX

brellis1vt

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Re: Recommendations for ETFs in a 401k
« Reply #4 on: October 30, 2021, 07:23:39 AM »
Thanks guys!  I asked about VTI.  Hopefully they will add it, but ML has not been receptive to change in the past.  I'll let you know what they say.

NathanDrake

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Re: Recommendations for ETFs in a 401k
« Reply #5 on: October 30, 2021, 10:06:51 PM »
AVUV
AVDM
AVES

For Small Cap Value funds

Radagast

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Re: Recommendations for ETFs in a 401k
« Reply #6 on: October 31, 2021, 01:40:23 PM »
All the funds you listed are mutual funds. I think it would be unusual for a 401K to allow purchasing a limited selection of ETFs. Either they would allow no ETFs at all, or there would be a brokerage option allowing purchasing any ETF. Are you looking for mutual fund recommendations? In that case this might be the right list: https://institutional.vanguard.com/fund-list/?filters=&sortBy=assetClass&benchmark=true&viewType=expenseRatio.

What do you feel you missing? Those are a good starting point, and I am guessing there are some bond funds and others you didn't list.