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Need advice on 401k fund options

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  • Need advice on 401k fund options

    Hello all!  Seeking advice on a balanced but maybe slightly above average aggressive portfolio to set up with employer (TPMG).  Currently everything funnels into the BTC Life Path 2045 Target Date Fund, which did fine last year as it appears heavy equities.  Here are the options I have, most with pretty appealing expense ratios too I might add.  Any help on where to funnel money is appreciated.

    Also, I rolled money from old employer to Rollover IRA but now am getting hit for pro-rata if I try and backdoor roth money, so going to move all money forward to this employer since these plans look ok... seem reasonable with what is offered?  See below.

    All advice greatly appreciated.  Currently 34 years old and getting things in place.  Roth x4 years of contributions is equal total stock market index and international stock index (both Scwhwab).  Would like to be on a set and forget for now.  Spending too much time just eyeballing these accounts and know I should leave them be.

     









































































































































































































































    Name/Inception Date Asset Class Category Gross Expense Ratio** 1 Year 3 Year 5 Year 10 Year/LOF*
    FID CUSTOM CONTRA

    05/21/2013
    Stock Investments Large Cap Growth 0.38% 32.69% 13.65% N/A 14.48%
    VANG PRIMECAP ADM (VPMAX)

    11/01/1984
    Stock Investments Large Cap Growth 0.33% 29.60% 13.77% 19.61% 11.06%
    BTC US EQUITY MKT

    09/30/1994
    Stock Investments Large Cap Blend 0.01% 21.13% 11.20% 15.62% 8.76%
    FID CUSTOM LP STK

    05/21/2013
    Stock Investments Mid-Cap Value 0.58% 21.01% 9.60% N/A 11.16%
    RUSSELL SMALL CAP

    01/01/1997
    Stock Investments Small Cap Blend 0% 15.53% 9.27% 14.75% 12.03%
    NT INTERNATIONAL FD

    10/30/2017
    Stock Investments Foreign 0.12% N/A N/A N/A 3.00%
    BTC LIFEPATH 2020 F

    07/29/2005
    Blended Fund Investments* Asset Allocation 0.01% 11.85% 5.66% 6.58% 4.78%
    BTC LIFEPATH 2025 F

    07/05/2006
    Blended Fund Investments* Asset Allocation 0.01% 13.99% 6.48% 7.51% 5.03%
    BTC LIFEPATH 2030 F

    07/29/2005
    Blended Fund Investments* Asset Allocation 0.01% 15.91% 7.21% 8.32% 5.24%
    BTC LIFEPATH 2035 F

    07/05/2006
    Blended Fund Investments* Asset Allocation 0.01% 17.77% 7.89% 9.09% 5.42%
    BTC LIFEPATH 2040 F

    07/29/2005
    Blended Fund Investments* Asset Allocation 0.01% 19.45% 8.48% 9.75% 5.55%
    BTC LIFEPATH 2045 F

    07/05/2006
    Blended Fund Investments* Asset Allocation 0.01% 20.54% 8.85% 10.28% 5.62%
    BTC LIFEPATH 2050 F

    09/28/2007
    Blended Fund Investments* Asset Allocation 0.01% 20.92% 8.97% 10.61% 5.76%
    BTC LIFEPATH 2055 F

    05/19/2010
    Blended Fund Investments* Asset Allocation 0.01% 20.90% 8.96% 10.82% 11.01%
    BTC LIFEPATH RET F

    07/29/2005
    Blended Fund Investments* Asset Allocation 0.01% 10.25% 5.02% 5.44% 5.00%
    TPMG CONSERVATIVE

    08/03/2000
    Blended Fund Investments* Asset Allocation 0.05% 11.42% 5.38% 5.92% 5.40%
    TPMG MODERATE FUND

    08/04/2000
    Blended Fund Investments* Asset Allocation 0.07% 15.58% 6.84% 7.85% 5.79%
    TPMG AGGRESSIVE FUND

    08/02/2000
    Blended Fund Investments* World 0.09% 20.03% 8.14% 9.58% 5.72%
    BTC LIFEPATH 2060 F

    11/17/2014
    Blended Fund Investments* N/A 0.01% 20.85% 8.96% N/A 8.53%
    RUSSELL REAL ASSETS

    10/18/2013
    Blended Fund Investments* N/A 0.03% 9.83% 2.69% N/A 2.00%
    F.R. FIXED INCOME

    11/14/1980
    Bond Investments Long-Term 0% 4.07% 2.79% 2.71% 4.72%
    MIP II CL 3

    04/20/1993

    7 day yield as of

    12/31/2017   1.86%
    Bond Investments Stable Value 0.32% 1.76% 1.71% 1.57% 1.90%

  • #2
    If the Lifepath 2045 fund is really just an ER of 0.01, then that's a no-brainer to me - I'd just keep putting it all in there and dollar cost averaging as you make deposits.. If you want to be a bit less aggressive, then maybe the 2035 fund which up the bonds to around 20%.

    Comment


    • #3
      I think that might be an R-squared of 0.01%.  The expense ratio for Lifepath 2045 Index is 17 basis points, or 0.17%.

      The other items listed under "gross expense ratio" don't appear to be the real expense ratios either.

      Comment

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