Thoughts on 401k allocation at 26? Considered just doing all SP500 but kinda want more diversification. Small cap seems to have a very high expense ratio (0.82%); is it still a generally good play? Also mid cap performance seems meh compared to SP500...

60% FXAIX (SP500)
20% FSMAX (mid cap)
10% QUAZX (small cap)
10% FSPSX (international)

like
Posting as :
works at
You are currently posting as works at

I’ve been 100% S&P index fund for 20+ years and been more than satisfied with the returns

likeupliftinghelpful

Past performance doesn’t indicate future returns. I’m not a market crash skeptic, but pure S&P500 doesn’t warrant these same returns. I’d personally add international and bond exposure.

Big home bias here, more international

like

I would not touch the fund with that expense ratio. You are essentially trying to create a total market fund with the 3 us funds. Look at the historical returns of total market vs sp 500. They are extremely similar.

helpful

True, I'm probably overthinking at this point lol. Thank you for your input!

If your plan allows a brokerage sub account then you can invest in ETFs or individual stocks with little to no internal fees. You get very similar performance from the ETF space and not .82% expense. You’re also not as well diversified as I would be with your proposals but that may be the limits of your plan elections. Asset allocation and diversity will get you far starting at 26.

like

Why is .82% considered a “very high” expense ratio? I switched from FXAIX to FBGRX (blue chip) with a .79% expense ratio, and am willing to roll the dice because if its great returns.

Even a 1-2% higher return with FBGRX over FXAIX is worth it, am I wrong?

like

Never invest solely, or even primarily, based on historical returns. Those are not numbers that you can “expect.”

Also FYI the returns that you see are net of expense ratio, though ER isn’t a static number for active funds.

I think this is more complicated than it needs to be. Is there a total market fund like FSKAX? That will get you diversification at market cap weights.

You could just use the SP 500 in the 401k and add some additional small cap or extended market to your IRA or other account

Should you also include like 10% bonds and maybe some international exposure? Global stock fund

Related Posts

Can we claim / reimburse medical bills (eg - tablets, consultation fees etc) apart from hospitalization in LTI?

like

I was wondering if everyone will be willing to share their salary, years of experience, city, and/or State?
.
I'll start: $62k, 5yrs, Las Vegas, NV

like

Hi, just wondering how much maternity leave Janssen and Merk offer? GSK will be offering 18 weeks starting in 2023, wondering how other companies in the area compare. Also curious if there is a minimum amount of time you need to work before the benefits kick in?

like

Does anyone have leads for a recent MPH Epidemiology grad with 0-2 YOE to get into consultant roles in Healthcare/life sciences?

Second question: what sort of work experiences are companies like flatiron and komodo health looking for to work in RWE/heor? I'm not sure how to leverage Epidemiology to get into that space :(

I am looking for validation here. Is my workload too much? Working for a healthcare organization, where most of my openings are RNs, CNAs, retail and Corporate. I am sole recruiter for 60 vacancies, in charge from req to offer. Also managing all employee merit increases, status changes, promotions, position changes etc for 500 employees, day to day HR inquiries, Workers Comp, and performance review management. (I used to be just “Recruitment” but as people leave, they just divvy out their job).

like

Hi Team,

I heard that Cisco is very stringent when it comes to pay-wise. Do we have any different sub levels that are there in the Grade G8? Almost 7 lakhs difference is there between Cisco offer and State street offer. Don't know what to pick? Do we have any other perks and benefits in Cisco?

like

Considering a move to NTT Data in a healthcare consulting role. Mixed reviews in the bowls. Major concerns are bench policy, staff aug roles, 2 week PTO, and high turnover due to job dissatisfaction. Recruiter and mgr had great things to say around growth and opportunity, which doesn’t align with feedback from the bowls or Glassdoor.
Understanding things have changed there in the last few months, I need un-biased advice from fellow fish who have recently joined or can speak to recent changes

How many pages is your resume/CV? Apparently the rule of thumb is 1 page, but is this different for those in healthcare or research? And do you include your publications? Thanks in advance!

like

Does anybody have connections or a referral for any remote sales job? I have a SDR/BDR experience. I am mainly looking to cybersecurity or healthcare industries, but I'm open to any other industries as well.

like

Recently moved from insurance to healthcare domain. I am reading about healthcare and particularly interested in understanding the health care value chain. Looking for any flowcharts, process flow,etc

like

Good morning, I am wanting to transition from Healthcare into HealthTech. I have been in Healthcare for 22 years and I have front and back end experience as well as laboratory experience. I do not know any roles to look into that will be suit me and how to structure my resume . Does anyone have any recommendations?

like

How's reliance jio for career in Finance? And what's the benefits, exit options, work culture ? Do they pay high bonus or any component over and above ctc?

like

Does anyone’s firm offer any benefits related to sustainability or rewards for practicing a sustainable lifestyle?

I am currently looking at Deloitte digital healthcare advisory role in Toronto. Would I be able to get a referral. Thanks !

like

Hi! What are some of the unique perks/benefits that your organization offers? Those things that make you stick out from the crowd when it comes to recruiting/retaining great talent. Appreciate your feedback!

like

Those of you who have left PwC before - I’m resigning soon and I anticipate being put on garden leave. What do I need to prior to resigning to ensure I still have access to my 401k/wealth builder money, etc etc?? Appreciate any guidance!

like

Anybody work with United Healthcare? I just had a second interview. I did some research prior to the interview about the employee benefits, but did not see if health insurance if offered upon hire date or after the 90 day period. I typically don’t like asking this during an interview. Thank you!

like

What’s your Bi-weekly health insurance cost? New employer is saying $80 per paycheck for a high deductible plan which is a lot more than the $30 i’m currently paying now.

like

Deloitte moms! Recommendations for best healthcare option when you are a mom to be (check ups, delivery)? And how much money did you load onto your Flex Spending? Thanks!

like

Hello! I’m looking to get my foot in the door with legal experience while I await bar results. I’m also a licensed healthcare professional with 5 years clinical experience. Any tips?

More Posts

Hi ,
Looking for job opportunities as Hadoop admin 3.7 years.

like

How is National Insurance Company account in Cognizant?

Can anyone tell me a little more about PwC’s Clinical R&D Experienced Associate position? Any other background like salary, day in the life would be helpful. thanks for your time and you’re welcome to DM me.

like

❓I heard BNY is more flexible in terms of hybrid model. i.e 12-15 day WFO in QTR ( i.e 1 day WFO in week). Any other bank is giving such flexibility? Tech employee please comment how is your hybrid model in bank ? BNY Mellon | Pershing Citi UBS MSCI Inc. HSBC HSBC India Credit Suisse Wells Fargo BNP Paribas CIB JPMorgan Chase

like

There is a company Talent 500 managing walmart interviews, negotiation and everything for me. I have seen in almost all companies you directly talk to HR of company when interviews are done via some vendor or agency. My experience is bad on HR side. They don't pick up calls or revert back. Why does walmart itself not talk to you once all interviews are done. Any views or what can I do in such situation.

like

Why is Microsoft not included in FAANG?

like

Hi, can you share your thoughts on what is a better option, I have following options
HSBC: X lpa (fixed)
KPMG: X+1
IBM: X+5

Work life balance and career growth are my top priority

like

What tips would you give to parents on picking a tutor?

like

Has the coronavirus changed your opinion about working from home? If you thought you might like to work from home, have you? If not, are you missing the office?

like

Hello Folks,
Can someone please let me know , what will be the basic package for Account specialist / account manager in Advertising ?

like

How much time IQVIA takes in issuing offer letter from workday? Accepted offer 2 weeks back.

Opinion pls

like

🌟What's happening Wednesday🌟
What's going on in Charlotte? Let's use this thread to share events, concerts, holiday festivities, and other fun things happening in the city this weekend!

like

Anyone has a good method to break procrastination?

like

I should've went to Harvard instead...

funnylikesmart

Has anyone used AngelList for recruiting? What has been your experience?

helpful

Teeth whitening recommendations?

like

Any Chicago 🐟 need a roommate? 26M

I see folks talking about Roths/backdoor Roths, and I wanted to verify my thinking. Currently I’m making far more than I anticipate I’ll make in retirement; if I’m wrong, well shit, I’ll be rich. Cont

like

Anybody have a cottage avail for rent in upstate NY?

like

Moving to KPMG Tax- does KPMG pay for phone? How does it work exactly. Thanks in advance

like

Additional Posts in Personal Investment Chatter

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

likefunny

Need investment advice. NW of 600k, 31 and single, save about 5k a month. Recently moved to US 2 years ago. Have about $100k to invest. Breakdown of NW: 100k cash, 450k in 2 RE properties in Toronto, 50k in tax saving accounts (401k, HSA). Max out HSA and max company match for 401k. I’ve had really good success in RE, so it’s my comfort zone. I feel like I should be diversifying, but I’ve been spoiled by 20%+ yoy gains. Thoughts?

likefunny

If I purchase a Vanguard SP500 mutual fund on TD Ameritrade, Do I still have to pay the 20 -account service fee assuming my fund balance is below 10k?

like

Any 🐠 with disabilities who have opened up an ABLE account? How was your experience using it? Thinking about it after reading up on the benefits.

Can someone explain how mega backdoor Roth works?

Here’s my understanding based on Google:

- I can invest 20500 to traditional 401k
- Company match & additional $ goes to Roth 401k (40500)
- At year end I roll this over to Roth IRA with a form my brokerage gives me. Does this sound correct?
- What happens if the value of assets goes up/down at year end?

like

When paying down debt, is there a different between making extra monthly payment and pay extra towards principal? Also just got a new car loan at 2.99% with balance of $16,180. Is it worth trying to..

helpful

I have $1000 I’d like to put into ETH. I know it’s not a lot but it’s what I can invest right now. Would it make the most sense to put it all in right now or to split it up over a few weeks or even months?

like

What are some tax credit strategies you use? A couple years ago I bought a solar powered gate and was surprised how much I got back on my fed taxes. This year I bought a plug-in EV.

like

Is i series bond worth to buy right now?

likefunny

Anyone buying defense stocks now or waiting til closer to the election (or after)?

like

I have about $150k cash to invest. Already have my emergency fund, safety cash (because I’m risk averse and want extra cushion). My net worth (excluding this and other cash) is close to $600K, with about 60% in 401K and the rest in index funds. I’m not a homeowner and don’t plan to be any time soon.
What would you do with this money? Especially now with the uncertainty in the market?

likeupliftinghelpful

Are clean energy ETFs still worth investing in the long run? Mine have been tanking this year due to gross over- valuation last year, but wondering if they’re still a good bet in the long run...

like

Anyone else slowing down/decreasing retirement contributions in light of the recession. Is this a version or trying to “time the market”?

like

I make $140K and recently got out of debt. I’ve never invested before. Should I start putting my money in a traditional 401K or Roth? I live in a vHCOL location. I have about $12k saved up for emergency purposes and am 25 years old.

likeuplifting