My wife recently switched employers and unfortunately has some pretty poor choices of funds to invest in (at first glance):
Pretty bad expense ratios compared to both of our current 401(K)'s which have Vanguard low cost index fund options.
She is 30 and plans to work until 60. We are pretty aggressive with our investment choices at this point (100% equity, 30% of which is international) because we are both risk-tolerant and have many years of capital appreciation ahead of us.
I was thinking:
35% NMSAX (small cap)
35% RFNGX (large cap)
15% RWIGX (international)
15% RNPEX (international)
This puts us at an overall expense ratio of 0.45. Not terrible, but with her last employer her expense ratio was 0.10 with Vanguard Total Stock Market and Total International Index Funds.
Thanks for your help in advance.
Pretty bad expense ratios compared to both of our current 401(K)'s which have Vanguard low cost index fund options.
She is 30 and plans to work until 60. We are pretty aggressive with our investment choices at this point (100% equity, 30% of which is international) because we are both risk-tolerant and have many years of capital appreciation ahead of us.
I was thinking:
35% NMSAX (small cap)
35% RFNGX (large cap)
15% RWIGX (international)
15% RNPEX (international)
This puts us at an overall expense ratio of 0.45. Not terrible, but with her last employer her expense ratio was 0.10 with Vanguard Total Stock Market and Total International Index Funds.
Thanks for your help in advance.
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