Hey there /r/personalfinance. I've recently become very interested in managing my money, from budgeting to contributing to my 401k to paying down my debt. After a raise I received this year, I finally began meeting my company match for my 401k (currently 4% match) and am fortunate enough to have had a minimum company contribution of 2% regardless of the amount I was putting in before.
Now, I've read the wiki regarding which fund to choose, but I've found myself at an impass. I'm struggling to decide if I should stick with my TRP 2055 blended fund (TRRNX) which has an annual ROR of 19.14%, 3 year of 6.6%, 5 year of 11.97%, but a whopping 0.76% expense ratio, or if I should change to one of the Vanguard institutional index funds (either primary (VINIX), midcap (VIMAX), or smallcap (VSCIX)) with annual ROR of around 17%, 3 year of around 9%, 5 year around 14.5%, and expense ratios below 0.1%.
I suppose my question is, which is the best option and why? Is the 1 year, 3 year, or 5 year rate of return the best indicator of performance? Is it worth a higher expense ratio to have a much higher ROR?
Submitted July 28, 2017 at 10:14AM by Plutonac http://ift.tt/2h9hrA9
