[Advice] Which fidelity funds to invest in?

[nikitamaria]

Hello,

I am having trouble figuring out which funds to invest in. I currently have 100% in CG 2060 TD U3. I have read through the 401k selection sections, although I am still unsure on which to choose. Any insight would be appreciated! Below are my options.

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1
Name/Inception Date
Asset Class
Category
Plan-specific option All tooltip content.
1 Year
3 Year
5 Year
10 Year/LOF*

2
FID 500 INDEX (FXAIX)02/17/1988
Stock Investments
Large Cap
No
-4.66%
13.35%
12.82%
13.79%

3
MFS GROWTH R6 (MFEKX)12/29/1986
Stock Investments
Large Cap
Yes
-17.27%
11.20%
14.39%
15.24%

4
MFS VALUE R6 (MEIKX)01/02/1996
Stock Investments
Large Cap
Yes
-1.31%
9.15%
8.77%
11.71%

5
FID MID CAP IDX (FSMDX)09/08/2011
Stock Investments
Mid-Cap
No
-9.83%
9.46%
9.69%
12.30%

6
J H ENTERPRISE N (JDMNX)09/01/1992
Stock Investments
Mid-Cap
Yes
-9.25%
9.16%
12.75%
14.58%

7
TRP MID CAP VALUE I (TRMIX)06/28/1996
Stock Investments
Mid-Cap
Yes
1.68%
11.68%
8.41%
11.59%

8
F&T BEHAV SMCPEQ IS (FTHSX)09/08/2011
Stock Investments
Small Cap
No
-2.22%
12.62%
10.14%
13.05%

9
FID SM CAP IDX (FSSNX)09/08/2011
Stock Investments
Small Cap
No
-14.23%
7.58%
7.21%
10.75%

10
FID GLB EX US IDX (FSGGX)09/08/2011
Stock Investments
International
No
-14.95%
3.32%
2.52%
5.12%

11
MFS INTL DIVRSN R6 (MDIZX)09/30/2004
Stock Investments
International
Yes
-15.64%
4.57%
4.86%
6.92%

12
MFS GLOBAL RE R6 (MGLRX)03/11/2009
Stock Investments
Specialty
Yes
-9.58%
6.31%
7.25%
8.27%

13
PRMTRC CMDY STRAT I (EIPCX)05/25/2011
Stock Investments
N/A
No
22.62%
19.76%
11.51%
1.82%

14
CG 2010 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-4.27%
5.12%
N/A
5.67%

15
CG 2015 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-5.13%
5.49%
N/A
6.09%

16
CG 2020 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-5.61%
5.75%
N/A
6.40%

17
CG 2025 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-7.08%
6.35%
N/A
7.10%

18
CG 2030 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-8.28%
6.83%
N/A
7.68%

19
CG 2035 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-9.63%
8.04%
N/A
8.98%

20
CG 2040 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-10.79%
8.34%
N/A
9.30%

21
CG 2045 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-11.45%
8.33%
N/A
9.33%

22
CG 2050 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-12.15%
8.19%
N/A
9.23%

23
CG 2055 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-12.74%
7.97%
N/A
9.02%

24
CG 2060 TD U305/13/2019
Blended Fund Investments*
N/A
Yes
-12.89%
7.89%
N/A
8.95%

25
NYL GUAR INT ACCOUNT09/01/2015
Bond Investments
Stable Value
Yes
N/A
N/A
N/A
N/A

26
DFA INF PRT SEC PORT (DIPSX)09/18/2006
Bond Investments
Income
Yes
-3.89%
4.39%
4.03%
2.01%

27
FID US BOND IDX (FXNAX)03/08/1990
Bond Investments
Income
No
-9.11%
-0.23%
1.25%
1.61%

28
METWEST TOT RTN BD I (MWTIX)03/31/1997
Bond Investments
Income
No
-10.10%
0.09%
1.55%
2.35%

29
PIM INTL BD US$H I (PFORX)12/02/1992
Bond Investments
Income
Yes
-7.39%
-0.48%
1.95%
3.54%

30
PIMCO INCOME INST (PIMIX)03/30/2007
Bond Investments
Income
Yes
-5.89%
1.28%
2.55%
5.14%

31
FID GOVT MMKT (SPAXX)02/05/1990 7 day yield as of07/31/2022 1.42%
Short Term Investments
N/A
No
0.19%
0.37%
0.81%
0.43%

 

[teejay79]

@nikitamaria If you want to make your own 3fund you would want to go 83/8/9 with 500 mid cap and small cap indexes. Global ex us for international and us bond index for bond allocation.

Here is guide for approximating us total market.

 

[resjudicata]

@teejay79 This is absolutely correct. Follow the Bogleheads!!!

 

[moonphantom]

@resjudicata

Follow the Bogleheads!!!

follow the Bogleheads, whose plan is to concentrated in large cap growth when small cap value stocks will give the best long-term results?

 

[moonphantom]

@teejay79 that presupposes someone wants to approximate the total market.

here's one thing I don't understand about the Bogleheads: they insist on replicating the total market as closely as possible in market cap weighting. yet they typically ignore bonds.

foreign bonds are the largest asset class, globally. so to mirror the global investible market, it would be about 40% foreign bonds, 30% US bonds, 20% US stocks and 10% international stocks.

there are periods of time, some of them very long many year stretches, where bonds outperform stocks ... why are the Bogleheads so strident on the stocks but ignoring the bonds?

 

[teejay79]

@moonphantom You are free to go 30/70 or whatever asset allocation you want. My take is I think those companies would know better than me on picking the right asset allocation. If the TDF are using market cap weights for their allocation I am fine by replicating it with individual funds.