Early Retirement & Financial Independence Community - View Single Post

FUEGO · 01-07-2009, 02:39 PM

I have a rather limited range of choices in my fidelity 401k (I'm at a small company). The only two good funds are the spartan total market index and spartan extended market index (mid and small cap basically). I hold all my total market and extended market allocations in my 401k, and then use taxable accounts and IRA's and DW's 401k to round it out with the international, small cap, REIT, emerging markets, etc. I basically have set my asset allocation policy according to these two index funds I happen to have available in my own 401k (around 20% of our total investments are in this 401k). Cart before horse? Maybe. But a fact of life with subpar 401k plans.

At least the fidelity spartan brand of funds are dirt cheap (still at 0.1% expense ratio last I checked). The ER rivals and even beats some VG index funds.

01-07-2009, 02:39 PM	#8
FUEGO Thinks s/he gets paid by the post Join Date: Nov 2007 Posts: 2,352	I have a rather limited range of choices in my fidelity 401k (I'm at a small company). The only two good funds are the spartan total market index and spartan extended market index (mid and small cap basically). I hold all my total market and extended market allocations in my 401k, and then use taxable accounts and IRA's and DW's 401k to round it out with the international, small cap, REIT, emerging markets, etc. I basically have set my asset allocation policy according to these two index funds I happen to have available in my own 401k (around 20% of our total investments are in this 401k). Cart before horse? Maybe. But a fact of life with subpar 401k plans. At least the fidelity spartan brand of funds are dirt cheap (still at 0.1% expense ratio last I checked). The ER rivals and even beats some VG index funds.