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Old 04-11-2008, 02:40 PM   #21
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I have decided to put all my 401k money in the american funds growth fund of america, at least until some better choices come along. Reasoning:
1. Holds 15-20 international which is good enough for me
2. Up to 15% bonds/cash, again good enough for me
3. Holds a diversified portfolio of stocks, although heavy in tech and oil/fuels and unfortunately for this week, GE.
4. Lowest ER of choices
5. 30 year history of 15% average returns
6. International fund mentioned before is R class, not even listed on fund family website, also high ER of 1.61% and numerous duplicate holdings to growth fund.
7. Even if it does only match index it is still cheaper than index fund offered in plan
8. Small value fund has good holdings but does not make big enough bets to make a difference
Thanks for your help. I will go onward from here. I have petitioned to have CGM Focus fund or Fairholme Fund added so we will see if either of those ever see the light of day.

Dave
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Old 04-11-2008, 06:05 PM   #22
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The 50% match does take the sting out of the slightly higher ER so absolutely your 401 is the best game going. Either fund will work.
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Old 04-11-2008, 07:54 PM   #23
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I have 13 different investment accounts and across them all I am invested in 4 funds total: vtsmx, vfinx/vfiax, swpix, and a 529 target allocation fund.

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Old 04-12-2008, 11:52 PM   #24
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Quote:
Originally Posted by dougie790 View Post
I have decided to put all my 401k money in the american funds growth fund of america, at least until some better choices come along. Reasoning:
1. Holds 15-20 international which is good enough for me
2. Up to 15% bonds/cash, again good enough for me
3. Holds a diversified portfolio of stocks, although heavy in tech and oil/fuels and unfortunately for this week, GE.
4. Lowest ER of choices
5. 30 year history of 15% average returns
6. International fund mentioned before is R class, not even listed on fund family website, also high ER of 1.61% and numerous duplicate holdings to growth fund.
7. Even if it does only match index it is still cheaper than index fund offered in plan
8. Small value fund has good holdings but does not make big enough bets to make a difference
Thanks for your help. I will go onward from here. I have petitioned to have CGM Focus fund or Fairholme Fund added so we will see if either of those ever see the light of day.

Dave
Seems like a reasonable choice. Good luck with the petition. Both Bogle and Buffet would agree - cost matters.

DD
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