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@ernestservant 45m Maxing 401k and IRA’s 350k in now and NW without house 1.7nw including house Goal F55 MOHQX isn’t even dividends? Jeeze did I mess that up lol. Haven’t been doing it long though so I can transfer. Curious your thoughts on VTI or VTO that’s where big chunks are now

BlackRock Index Fund in 401k Waste of time you think? 10% of my weekly contribution buys MPHQX which is BlackRock Total Return Fund - Class K. Fund hasn’t done much in last few years so am just accumulating dividend paying stock Smart of silly to miss out on growth funds? Thought was to...