Personal Investments • 401k Allocation in Empower RET Account

Hello! I’ve been studying various subreddits and the Boglehead wiki. I haven’t found a ton of postings on the offerings my employer does in Empower RET for a 401k.

I collected the funds they offer. I was in a TDF but now wanting to do my own and allocate. I’m in my mid-30s.

Here are the offerings:

Asset Allocation Funds: Gross/Net Expense Ratio::

BlackRock Multi-Asset Income Portfolio
0.62 / 0.52
BlackRock Strategic Completion NL
0.15 / 0.15
MercerWise 2015 Target Date
0.42 / 0.26
Mercer Wise 2020 Target Date
0.28 / 0.26
Mercer Wise 2025 Target Date
0.25 / 0.25
MercerWise 2030 Target Date
0.24 / 0.24
Mercer Wise 2035 Target Date
0.24 / 0.24
MercerWise 2040 Target Date
0.23 / 0.23
MercerWise 2045 Target Date
0.24 / 0.24
Mercer Wise 2050 Target Date
0.24 / 0.24
MercerWise 2055 Target Date
0.26 / 0.26
Mercer Wise 2060 Target Date
0.30 / 0.26
Mercer Wise 2065 Target Date
0.56 / 0.26
MercerWise Target Date Income
0.35 / 0.26

International Funds: Gross/Net Expense Ratio::

Mercer International Stock
0.42 / 0.42
International Stock Index Fund
0.04 / 0.03

Small Cap Funds: Gross/Net Expense Ratio::

Mercer Small Mid/Cap Stock Fund
0.47 / 0.47

Mid Cap Funds: Gross/Net Expense Ratio::

US Small/Mid Cap Stock Index Fund
0.02 / 0.02

Large Cap Funds: Gross/Net Expense Ratio::

S&P 500 Index Fund
0.01 / 0.01

Bond: Gross/Net Expense Ratio::

Mercer Diversified Bond
0.14 / 0.14
US Bond Index Fund
0.02 / 0.02


My current allocation in my 401K is
• S&P500: 55%
• International Stock Index Fund: 35%
• US Small/Mid Cap Stock Index Fund: 5%
•US Bond Index Fund: 5%

Should I make any adjustments to the current allocation? Open to any other feedback.

Statistics: Posted by BV19 — Wed Feb 07, 2024 9:52 pm — Replies 2 — Views 87

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