Type something and hit enter

ads here
On
advertise here

Some history, I'm 27, live in the US, and I've been fully employeed with the same employer for 5 years since graduating from college. I went from making 47k with 2k in potential bonuses to 92k with 13k in potential bonuses over the 5 years. I haven't really increased my lifestyle, so I've gone from the 8% 401k contribution (to get the full employer match) to 15% on my 401k, and maxing my vanguard IRA as well as HSA and investing what I can there, while paying for any medical expenses out of pocket to let that money grow tax free.

My employer offers a 401k through Fidelity, and I have fewer options through this than I would like, and I had always just allocated everything to the Fidelity 2055 K fund to "set and forget" it. I only recently realized how relatively high the fees would end up being if I left my money in this instead of going the index fund route. Luckily with Vanguard and my HSA, I have great options for investing in low fee index funds and have set that up. My 401k however doesn't have a ton of options, and I'm wondering if anyone has any suggestions on how to allocate percentages for a 27 year old planning to retire at 65.

Here are the funds offered:

Stock Investments

  • Large Cap
    • DH LARGE CAP Y
    • FID 500 INDEX INST
    • FID CONTRAFUND K
    • INVS GRTH & INC R6
    • TRP GROWTH STOCK
  • Mid-Cap
    • HARBOR MDCAP VAL RET
    • LONGLEAF SMALL CAP
    • TRP MID CAP GROWTH
  • Small Cap
    • VRS SMALL CAP GRTH Y
  • International
    • ARTISAN GLBL VAL IS
    • FID DIVERSIFD INTL K
    • OPP DEVELOPING MKT I
  • Specialty
    • COHEN & STEERS RLTY
    • PIM COM REAL RET I
    • WW INCOME OPP INST
  • Blended Fund Investments
    • I won't go into the whole list, but the one that applies to me is the FID FREEDOM 2055 K

Bond Investments

  • Income
    • DODGE & COX INCOME
    • FID US BOND IDX PR
    • H & W HIGH YIELD I
    • JPM STRAT INC OPP R5
    • PIM REAL RETURN INST
    • PIMCO SHORT TERM IS
    • TMPL GLOBAL BOND R6
  • Short Term Investments
    • FIMM GOVT CL I

Another question I had was if I ended up continuing with the target date fund, do I pay the fee listed on that fund, as well as the fees listed for all of the funds wrapped up in that?



Submitted August 19, 2018 at 10:36AM by MrSingularitarian https://ift.tt/2MCmwiN

Click to comment