Which fund should I pick for my i401k? MF equivalent of VTI, VOO? Something else? Leaning to these over target yr. funds for lower fees. I'm 40, planning to set it and forget it.

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VTI is what I would use. VOO would be second choice. At 40 you may want a little exposure to bonds. There target date funds are good because they have a more diversified mix of funds. You can save a little by just looking at the funds that make it up and holding them separately. Then just rebalance periodically.

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Those target date funds are more expensive for a reason. You’re likely to need a bond allocation and will need a glide path to retirement with frequent rebalancing. The fee difference is very low—you’re essentially getting proprietary asset allocation advice for under 0.1%.

I agree. You can do it yourself and just follow their glide pattern and do your own rebalancing. 10 basis points is a very reasonable price to pay for that effort.

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