Hello all, I really appreciate the collective wisdom and experience on this forum. It's been a tremendous resource (along with the MMM blog), and I have a question to put out there regarding my 401k asset allocation.
Based on some reasonable assumptions, I probably have anywhere between 12-15 years to FI. Some things could come into play to make that earlier (namely stock option performance, raises, and bonuses). At present we're focusing on being as Mustachian as possible, and trying to avoid lifestyle inflation.
I'm contributing to my 401k to max out the 50% employer match. The match is in company stock which vests over 4 years at 25%/yr. I'd prefer an immediately vested cash match, but whatever. The company is a relatively mature biotech firm, so the match being in company stock is not a terrible thing. That being said, as soon as shares vest each year I'm selling them immediately and moving the assets elsewhere just for diversification's sake. No need to have an Enron situation on my hands.
My question for you all is if you have an opinion on which funds I should consider contributing to with the liquid portion of my 401k. The options for funds I have are shown below, along with their fees. Lack of formatting makes the table a little hard to read, but I think it can be deciphered. If not let me know and I can try to get it better. At present my contributions are going into the Vanguard Target 2045, with a 0.16% fee. This is somewhat due to my naïveté when I set up the account, and based on the fact that I wasn't really contributing at first so it didn't matter. Now I've changed that and am starting to build.....the 2017 yield in that target date fund was great, but I don't expect that kind of growth in the future. I'm also wondering if it is worth the fee, as opposed to some other options with as little as 0.035%.
At present I'm tempted by some of the other Vanguard options, and will probably ditch the target date fund entirely. I would appreciate anyone's input on what you would do in my situation with this selection of fund options. Thank you for any suggestions/discussion.
Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees
JH DISCPL VALUE R6 (JDVWX)
01/02/1997 Stock Investments Large Cap 0.72% No additional fees apply.
JPM LG CAP GROWTH R6 (JLGMX)
02/28/1992 Stock Investments Large Cap 0.6% No additional fees apply.
VANGUARD INST INDEX (VINIX)
07/31/1990 Stock Investments Large Cap 0.035% No additional fees apply.
MFS MID CAP VALUE R6 (MVCKX)
08/31/2001 Stock Investments Mid-Cap 0.75% No additional fees apply.
MM SEL MID CAP GR I (MEFZX)
05/31/2000 Stock Investments Mid-Cap 0.73% No additional fees apply.
VANG EXT MKT IDX ADM (VEXAX)
12/21/1987 Stock Investments Mid-Cap 0.08% No additional fees apply.
CRLN E SM CAP GR R6 (HSRUX)
05/07/1993 Stock Investments Small Cap 0.67% No additional fees apply.
DLWR SM CAP VAL INST (DEVIX)
06/24/1987 Stock Investments Small Cap 0.99% No additional fees apply.
AF EUROPAC GROWTH R6 (RERGX)
04/16/1984 Stock Investments International 0.5% No additional fees apply.
AF SMALLCAP WORLD R6 (RLLGX)
04/30/1990 Stock Investments International 0.7% No additional fees apply.
VANG TOT INTL STK AD (VTIAX)
04/29/1996 Stock Investments International 0.11% No additional fees apply.
VANG TARGET RET 2015 (VTXVX)
10/27/2003 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2020 (VTWNX)
06/07/2006 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2025 (VTTVX)
10/27/2003 Blended Fund Investments* N/A 0.14% No additional fees apply.
VANG TARGET RET 2030 (VTHRX)
06/07/2006 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2035 (VTTHX)
10/27/2003 Blended Fund Investments* N/A 0.15% No additional fees apply.
VANG TARGET RET 2040 (VFORX)
06/07/2006 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET 2045 (VTIVX)
10/27/2003 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET 2050 (VFIFX)
06/07/2006 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET 2055 (VFFVX)
08/18/2010 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET 2060 (VTTSX)
01/19/2012 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET 2065 (VLXVX)
07/12/2017 Blended Fund Investments* N/A 0.16% No additional fees apply.
VANG TARGET RET INC (VTINX)
10/27/2003 Blended Fund Investments* N/A 0.13% No additional fees apply.
MORLEY STABLE VALUE
04/30/2009 Bond Investments Stable Value 0.55% No additional fees apply.
METWEST TOT RTN BD P (MWTSX)
03/31/1997 Bond Investments Income 0.38% No additional fees apply.
VANG TOT BD MKT ADM (VBTLX)
12/11/1986 Bond Investments Income 0.05% No additional fees apply.