403 b allocations

[lmk1966]

 

Currently 403b Lincoln Financial as follow:

VINIX 35%
VSCIX 35%
RERGX. 8% (AM europacific growth)
JFlEX bond. 4%
Dodge intern. Stock fund. 3%
JPMorgan smart retirement 2030 15%

 

Available options through Lincoln Financial (with expense ratio)

Vnguard Institutional Index 0.04%
Ticker: VINIX
Vnguard Index Trust Small Cap Idx Instl 0.05%
Ticker: VSCIX
AM Fds EuroPacific Growth 0.5%
Ticker: RERGX
Dodg Cx International Stock Fund 0.64%
Ticker: DODFX
Amrtrde Self Directed Brokerage Account -------
Calvert Equity I 0.72%
Ticker: CEYIX
DFA US Small Cap Value I 0.52%
Ticker: DFSVX
Dryfs Research Growth 0.88%
Ticker: DWOIX
Gmo Benchmark Free Allocation Series 1%
Ticker: GBMRX
J Hancock 3 Discipline Value 0.8%
Ticker: JVLIX
Janus Flexible Bond 0.56% (1y return=2.28%, 5y=2.74%)
Ticker: JFLEX
Jpm Sr 2020
Ticker: JTTIX
Jpm Sr 2025
Ticker: JNSIX
Jpm Sr 2030 0.69%
Ticker: JSMIX
Jpm Sr 2035 0.72%
Ticker: SRJIX
Jpm Sr 2040
Ticker: SMTIX
Jpm Sr 2045
Ticker: JSAIX
Jpm Sr 2050
Ticker: JTSIX
Jpm Sr 2055
Ticker: JFFIX
Jpm Sr Incm
Ticker: JSIIX

Wl Fgo Discovery Instl 0.87%
Ticker: WFDSX
Fidelity US Bond Index 0.05% (1y return=1.45%, 5y=2.16%)

 

Contributing max to 403b = 24k/year (I am 50 yo)
Job matches 50% on the first 6% of my contribution
Planning to work "forever" (unless sick)

Any suggestion with  allocations?
Do not see much bonds options and the existing one have low interest...

[artemis]

Pretty much all bonds are low interest these days.

I don't see the point in including a target date fund among your allocations.  They're intended to be a "buy and forget it" autopilot fund for investors who don't want to do much research.  I'd drop it and split that money among the funds you already own, or pick up that Dodge and Cox Small Cap Value fund in its place.

[Virajith Wijeweera]

Looks like your Plan offers a Self-Directed Brokerage Account (SDBA) option through TD Ameritrade.  If you are not satisfied with the investment options available in the Plan, you can open a SDBA at TDA and invest in any mutual fund, ETF, and etc. that TDA offers.