Deloitte fish, I just joined the firm and I want to contribute to 401k, can you all share what vanguard funds you have invested in? Are you happy with the performance?

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Just do the target retirement funds based on your age

It’s just passive index funds and portfolio optimization theory. No need to overthink

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I have most of mine in the total stock market index, with smaller amounts in the international index and REIT index for some diversification. I am more on the aggressive / risk tolerant end of the spectrum, otherwise I might do the target retirement fund.

Hard to be disappointed in the performance relative to the benchmark index when your investing *in* the benchmark index.

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Fees are too high on target date funds. Get whatever total market indexes they have and a bit of global and small cap indexes

That's not true with the vanguard funds, unless the Deloitte 401k adds excess fees

I have the target fund both direct and through WMP, both of which have reasonable/normal fees for vanguard (so lower than average)

It’s funny about mutual fund fees. 10 or 15 years ago the advice was to find fees less than 1% per year. Now that the big Vanguard index funds have 0.02% annual fees, anything higher than that is looked at as “too high”.

I’m all for rock bottom fees, and I am in the 0.02% types of funds myself, but I suppose it’s up to each person to decide if it’s worth paying the 0.13% fee to have Vanguard rebalance your portfolio for you every year, which is what the target retirement funds do.

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