Investing is a messy business. But I can guarantee you that there are less savory companies than Nestle in the S&P.
Also if you split up your holdings between developed and emerging in proportion to their market cap nestle will be identically weighted in your holdings.
If ethics are your chief concern you can always choose funds that exclude companies that don't coincide with your values (ie no guns, no gas, etc.) but then you will have to pay for that active management. There are no free rides.
Thank you for that, I guess have to pick my focus here as investing as I don't want the excess fees and want to give the company financially effective investments.
I'm allowed up to 40. I don't think I'll need that many but here's my current list. I'm wondering if I should include more bond options or anything I may want to include for those who aren't so into investing like target retirement funds. I'm pretty sure most of the employees will have no idea of the difference between all the funds.
I'm thinking of VFIRX short-term treasury funds, target retirement funds, or low cost renewable/green etfs.
Here's my current list:
.05% VTSMX Total Stock
.05% VFIAX S&P 500
.12% VSBSX Short-Term Government Bonds
.15% VEMAX Emerging Markets
.07% VBTLX Total Bond
.10% VAIPX Inflation Protected Securities
.16% VMMXX Prime Money Market
.09% VTMGX Developed Markets
.09% VSIAX Small Cap Value
.12% VGSLX REIT
Funds Considering:
.47% ICLN Global Clean Energy Index (lowest ER could find, companies generate profit)
.10% VFIRX Short-Term Treasury Funds
.10% VTAPX Short-Term Inflation Protected Securities
.09% VMVAX Mid Cap Value
.18% Target Retirement Funds
It'll cost more to amend later so I'd rather get a solid list to start. I'm also considering total ST Bonds, IT Bonds, LT Bonds, or International Bonds as their conditions may change but the latter seem like a higher risk/lower yield investment at this time.