gryphonking
New member
While I have a very good handle on my personal finances, and I max my 401k contributions, I don't have a good handle on my 401k contribution choices.
I have read the wiki (https://www.reddit.com/r/personalfinance/wiki/401k_funds/) and numerous articles online, but it always just get's confusing.
My issue is that the investment choices I can pick from are not the same as what I read in online articles/wiki. So I'm unsure if they are the same or different?
I kinda feel like doing 100% in a target date fund (like even split between 2050, 2055, and 2060) is the best match for everything I read because they auto change and picking ones that end after I retire will allow me to have high risk ones longer. Or am I wrong?
If it helps/matters, these are my investment choices. I'm 40, married, two kids, one special needs, and looking to retire early if possible.
(spreadsheet version)
Name
Asset Class
Morningstar Category
YTD (Daily)
1 Yr
3 Yr
5 Yr
10 Yr
Life of Fund?
Expense Ratio
U.S. Large Company Index Fund
Stock
Large Blend
10.42%
30.43%
11.90%
14.76%
12.69%
10.81%
0.0143%
U.S. Large Company Fund
Stock
Large Blend
11.04%
25.78%
7.03%
12.03%
10.76%
10.08%
0.3832%
International Company Index Fund
Stock
Foreign Large Blend
5.93%
14.91%
4.85%
7.11%
4.52%
5.92%
0.0802%
[redacted company name] 2050 Fund
Blend
Target-Date 2050
6.28%
16.64%
4.44%
9.04%
7.50%
6.41%
0.5131%
[redacted company name] 2055 Fund
Blend
Target-Date 2055
6.28%
16.64%
4.44%
9.04%
7.49%
8.30%
0.5131%
[redacted company name] 2060 Fund
Blend
Target-Date 2060
6.28%
16.63%
4.43%
9.02%
--
8.04%
0.5131%
[redacted company name] 2065 Fund
Blend
Target-Date 2065+
6.27%
16.60%
4.39%
--
--
8.04%
0.5131%
[redacted company name] 2045 Fund
Blend
Target-Date 2045
6.11%
16.33%
4.37%
8.99%
7.47%
6.39%
0.5131%
REIT Fund
Stock
Real Estate
-0.51%
4.60%
3.90%
5.00%
6.72%
8.91%
0.4007%
[redacted company name] 2040 Fund
Blend
Target-Date 2040
5.63%
15.38%
3.89%
8.38%
7.16%
6.18%
0.5024%
Private Global Real Estate Fund
Other
Global Real Estate
-2.27%
-7.84%
3.44%
3.44%
6.31%
3.89%
0.6615%
[redacted company name] 2035 Fund
Blend
Target-Date 2035
4.85%
13.76%
3.14%
7.62%
6.69%
5.94%
0.4811%
Money Market Portfolio
Short Term
Money Market-Non-40 Act
1.36%
5.41%
2.67%
2.11%
1.52%
2.98%
0.0847%
International Company Fund
Stock
Foreign Large Blend
5.21%
10.34%
2.37%
6.30%
4.20%
6.27%
0.6054%
[redacted company name] 2030 Fund
Blend
Target-Date 2030
3.98%
12.03%
2.35%
6.77%
6.19%
5.47%
0.4587%
[redacted company name] 2025 Fund
Blend
Target-Date 2025
3.08%
10.27%
1.60%
5.85%
5.40%
4.85%
0.4336%
Retirement Income & Investment Fund
Blend
Target-Date Retirement
2.62%
9.22%
0.98%
4.51%
4.03%
4.27%
0.3982%
Inflation Protected Bond Fund
Bond
Inflation-Protected Bond
0.33%
2.84%
-0.44%
3.05%
--
2.47%
0.1951%
Small Cap Equity Index Fund
Stock
Small Blend
4.71%
10.21%
-0.78%
7.08%
--
7.59%
0.0217%
Intermediate US Bond Fund
Bond
Intermediate Core Bond
0.23%
4.69%
-1.12%
1.75%
--
1.92%
0.1747%
U.S. Small Company Fund
Stock
Small Blend
6.30%
14.56%
-2.76%
10.19%
9.15%
10.83%
0.6525%
US Core Bond Fund
Bond
Intermediate Core Bond
-0.54%
3.58%
-2.97%
0.76%
--
1.26%
0.2740%
US Bond Index Fund
Bond
Intermediate Core Bond
-0.78%
3.30%
-3.19%
0.53%
--
0.99%
0.0365%
[redacted company name] Company Stock Fund
Stock
Communications
13.11%
10.89%
-4.74%
-1.81%
3.18%
8.95%
0.0033%
Emerging Markets Fund
Stock
Diversified Emerging Mkts
0.90%
7.51%
-8.01%
2.57%
2.84%
3.19%
0.6641%
I have read the wiki (https://www.reddit.com/r/personalfinance/wiki/401k_funds/) and numerous articles online, but it always just get's confusing.
My issue is that the investment choices I can pick from are not the same as what I read in online articles/wiki. So I'm unsure if they are the same or different?
I kinda feel like doing 100% in a target date fund (like even split between 2050, 2055, and 2060) is the best match for everything I read because they auto change and picking ones that end after I retire will allow me to have high risk ones longer. Or am I wrong?
If it helps/matters, these are my investment choices. I'm 40, married, two kids, one special needs, and looking to retire early if possible.
(spreadsheet version)
U.S. Large Company Index Fund
Stock
Large Blend
10.42%
30.43%
11.90%
14.76%
12.69%
10.81%
0.0143%
U.S. Large Company Fund
Stock
Large Blend
11.04%
25.78%
7.03%
12.03%
10.76%
10.08%
0.3832%
International Company Index Fund
Stock
Foreign Large Blend
5.93%
14.91%
4.85%
7.11%
4.52%
5.92%
0.0802%
[redacted company name] 2050 Fund
Blend
Target-Date 2050
6.28%
16.64%
4.44%
9.04%
7.50%
6.41%
0.5131%
[redacted company name] 2055 Fund
Blend
Target-Date 2055
6.28%
16.64%
4.44%
9.04%
7.49%
8.30%
0.5131%
[redacted company name] 2060 Fund
Blend
Target-Date 2060
6.28%
16.63%
4.43%
9.02%
--
8.04%
0.5131%
[redacted company name] 2065 Fund
Blend
Target-Date 2065+
6.27%
16.60%
4.39%
--
--
8.04%
0.5131%
[redacted company name] 2045 Fund
Blend
Target-Date 2045
6.11%
16.33%
4.37%
8.99%
7.47%
6.39%
0.5131%
REIT Fund
Stock
Real Estate
-0.51%
4.60%
3.90%
5.00%
6.72%
8.91%
0.4007%
[redacted company name] 2040 Fund
Blend
Target-Date 2040
5.63%
15.38%
3.89%
8.38%
7.16%
6.18%
0.5024%
Private Global Real Estate Fund
Other
Global Real Estate
-2.27%
-7.84%
3.44%
3.44%
6.31%
3.89%
0.6615%
[redacted company name] 2035 Fund
Blend
Target-Date 2035
4.85%
13.76%
3.14%
7.62%
6.69%
5.94%
0.4811%
Money Market Portfolio
Short Term
Money Market-Non-40 Act
1.36%
5.41%
2.67%
2.11%
1.52%
2.98%
0.0847%
International Company Fund
Stock
Foreign Large Blend
5.21%
10.34%
2.37%
6.30%
4.20%
6.27%
0.6054%
[redacted company name] 2030 Fund
Blend
Target-Date 2030
3.98%
12.03%
2.35%
6.77%
6.19%
5.47%
0.4587%
[redacted company name] 2025 Fund
Blend
Target-Date 2025
3.08%
10.27%
1.60%
5.85%
5.40%
4.85%
0.4336%
Retirement Income & Investment Fund
Blend
Target-Date Retirement
2.62%
9.22%
0.98%
4.51%
4.03%
4.27%
0.3982%
Inflation Protected Bond Fund
Bond
Inflation-Protected Bond
0.33%
2.84%
-0.44%
3.05%
--
2.47%
0.1951%
Small Cap Equity Index Fund
Stock
Small Blend
4.71%
10.21%
-0.78%
7.08%
--
7.59%
0.0217%
Intermediate US Bond Fund
Bond
Intermediate Core Bond
0.23%
4.69%
-1.12%
1.75%
--
1.92%
0.1747%
U.S. Small Company Fund
Stock
Small Blend
6.30%
14.56%
-2.76%
10.19%
9.15%
10.83%
0.6525%
US Core Bond Fund
Bond
Intermediate Core Bond
-0.54%
3.58%
-2.97%
0.76%
--
1.26%
0.2740%
US Bond Index Fund
Bond
Intermediate Core Bond
-0.78%
3.30%
-3.19%
0.53%
--
0.99%
0.0365%
[redacted company name] Company Stock Fund
Stock
Communications
13.11%
10.89%
-4.74%
-1.81%
3.18%
8.95%
0.0033%
Emerging Markets Fund
Stock
Diversified Emerging Mkts
0.90%
7.51%
-8.01%
2.57%
2.84%
3.19%
0.6641%