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Old 09-12-2015, 03:50 PM   #21
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No past performance history to see how the index fund track their indexes? You shouldn't have to manufacture your own.
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Old 09-12-2015, 03:52 PM   #22
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These kinds of bad 401k plans are basically employee anti-retention plans. After you have gotten the tax deductions for a few years of contributions, you will need to change employers in order to get out from under the high ER fees.
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Old 09-13-2015, 06:50 PM   #23
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No past performance history to see how the index fund track their indexes? You shouldn't have to manufacture your own.
The reason you would measure performance on your own is to find the real cost of expenses. For example, the s&p500 option is in a separate account, but there is no symbol. From what I've read online in forums, there are additional, hidden costs with these separate accounts.
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Old 09-13-2015, 06:58 PM   #24
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These kinds of bad 401k plans are basically employee anti-retention plans. After you have gotten the tax deductions for a few years of contributions, you will need to change employers in order to get out from under the high ER fees.
That is so true. A bad 401k works in the company's favor. The cost is shifted to the employee. A young employee does not understand the importance of expenses over time. An older employee will just keep looking for something better, but still contributes to the cost of running the plan.

For me, this is the last stop. So the crappiness of the plan is not a big issue. 1-2 years I can endure.
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Old 09-15-2015, 12:48 PM   #25
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The reason you would measure performance on your own is to find the real cost of expenses. For example, the s&p500 option is in a separate account, but there is no symbol. From what I've read online in forums, there are additional, hidden costs with these separate accounts.
Hidden, yes, but performance data should be net of all expenses other than if you have a yearly or quarterly account fee.
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Old 09-15-2015, 03:37 PM   #26
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The expense ratio for fund is expressed. However, the expense of being in a 'separate account' is not revealed.
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Old 09-15-2015, 11:18 PM   #27
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The expense ratio for fund is expressed. However, the expense of being in a 'separate account' is not revealed.
But how much did the funds gain in 2013, 2014?
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