[DaFace]

Originally Posted by lewdog

DaFace, this is for you!



My 401k is in the following funds. I recommend index funds for 401k's since generally the expense ratios are super low. It really depends on what your company offers. The company I was with before this had absolutely crap fund options, all mutual funds and very expensive. I was so happy when the new company had tons of Vanguard options.



Vanguard 500 Index Fund - Admiral Class (awesome fund if you have access)

Vanguard Mid-Cap Index Fund - Admiral Class

Vanguard Small Cap Index Fund - Admiral Class

American Century Emerging Markets Fund - Class R6



Expense ratios of .04, .05, .05 and .91 respectively. I am invested 70% in the 500 index and 10% in the rest.



5 year rate of return on these funds is 16.26, 14.60, 14.97, 6.91. I have seen others discuss possibly dropping international exposure as it appears it lags US stocks for decades now for many funds when dollar cost averaging.



100% equities for me given that I am 35. I am not pulling for a market downturn but it would benefit me long term to see a very strong downward move where I just keep investing in these passive funds (maybe even more so).



I have T Rowe Price for my ROTH IRA and they are a bit more expensive for actively managed funds. But many have done very well and I can diversify a bit with 2 funds I like from them, one being a communication/tech fund and one being health sciences.



Expense ratios for the 5 actively managed I have with them range from .68 to .80. Their 5 year rate of returns have been better than my 401k, however. 24.08, 25.89, 20.48, 18.46, 15.05.

Just acknowledging that I have seen this and will respond once I'm not on my phone in a few days.