Personal Investments • 401K fund selection and allocation?

Hi,

Would like the community to suggest what’s the most optimal for my 401K selection and allocation.

- 55 years old
- been using VG target date fund 2030 for years (I decided on 2030 as I would like to stop working in my corp job at 60)
- I decided to switch to choosing my own funds start of this year as it’ll give me more flexibility
but debating on the right % of the below and equity to bond allocation
- I also have a VG taxable brokerage account which is 65/35

Here are the funds I can choose from at work and their return for ‘23/‘22/‘21 (expense ratio gross /net)
State St S&P 500 Indx SL Cl II 26.28 / -18.11 / 28.66 (.01 /.01)
State St S&P Midcap Indx SL Cl XIV 16.16 / -13.02 / 24.89 (.02/.01)
State Street Russell Small Cap Index II 17.06 / -20.33 / 14.91 (.02/.02)
State St Gbl AllCp Eq ex-US Idx SL Cl II 15.93 / -16.29 / 8.74 (.06/.04)
State St US Bnd Indx SL Cl XIV 5.61 / -13.13 / -1.62 (.02/.02)

FYI on the return for VG 2030 16.06 / -16.14 / NA (.04/.04)

Thanks in advance

Statistics: Posted by fi_no_retire — Sat Feb 03, 2024 10:21 pm — Replies 4 — Views 107

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