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My 401(k) just improved!
Old 04-21-2008, 08:57 AM   #1
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My 401(k) just improved!

This probably doesn't deserve a post, but my 401(k) just went from offering about 10 funds from a mix of families, only one being an interesting option (a no name index fund with a .09% expense ration) to next month offering the full line of Vanguard Target Date funds along with a few others.

They just made my day, they specifically told me 2 months ago when I asked they had no plans to add Vanguard or any target date funds. I know not everyone is a fan of them, but the problem was before my 401(k) didn't even have the necessary options to do a good asset allocation. With some of the other options they may now, but I think will stick with the target date.

Sorry, just excited

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Old 04-21-2008, 10:25 AM   #2
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My Vanguard 401k doesn't yet have Target Date funds available, but I wish it did. Not so much for myself, but for fellow employees who aren't interested in keeping track of investments and need a "set it and forget it" option. I still have co-workers who have most or all of their funds in our company's stock (NOOOOOOOOOO!!!) despite the pleas of myself and many others to diversify (Have they learned nothing from Enron and others?)

"There is no dignity quite so impressive, and no independence quite so important, as living within your means." Calvin Coolidge
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Old 04-21-2008, 08:21 PM   #3
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Originally Posted by tpcooper View Post month offering the full line of Vanguard Target Date funds along with a few others.
Nice. I have Fidelity Freedom funds in mine, wish they were Vanguard TR.
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Old 04-21-2008, 08:46 PM   #4
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That's great news. Hopefully more companies will start to offer these better options. Lower expenses can make a big difference, particularly over an extended period.
"Freedom begins when you tell Mrs. Grundy to go fly a kite." - R. Heinlein
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Old 04-22-2008, 08:55 AM   #5
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Posts: 2,450 plan has 4-5 index funds...I still have to use your other accounts (roth and taxable) to get other asset classes....

Curious how your changes came about...I have thought about lobbying my plan for more international...
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Old 04-28-2008, 06:59 PM   #6
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I can't complain as my company allows a brokerage option so I am not confine to any specific fund. Also, you can invest in individual stocks if I want - however, that can get risky.
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Old 04-29-2008, 01:23 PM   #7
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My 401K is with Fido, and the only index fund we have is Spartan S&P 500 Index. It's my core U.S. large cap holding in that account. The other funds are managed, but most of them are good funds with long-term records of strong performance and less than 1% in expenses. And they also have the Freedom funds. I use Freedom 2030 to park new contributions for a year, and then I rebalance the whole shebang to the four other funds I hold in it.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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Old 05-02-2008, 03:39 PM   #8
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My 401(k) sucks... they only offer me:

a DFA fund, a Dodge and Cox fund, a cheap Oakmark fund and a zero expense bond fund :-)

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