rheumdoc1977
Confused about dryer sheets
- Joined
- Apr 28, 2008
- Messages
- 8
I am a new investor and participating in my companies 401K plan.
I am pretty happy with the equity choices I have, but my 401K does not seem to offer good options for my fixed income allocation. This troubles me as I wanted to place all of my tax inefficient bond money in my 401K.
Here are the three choices I have:
1. PIMCO Total Return - 0.9% expense ratio, no-load
2. Goldman Sachs Government Income A (GSGOX) - 1 % expense ratio, no load
3. Merill Lynch Institutional Fund (money market fund) - 0.22 % expense ratio, no load
Which would be best?
I contribute the max to my 401k and have a 70/30 split stocks:bonds.
For now, I am opting for the GSGOX, a intermediate term bond fund. But the cost of the two bond funds just seem obscene to me, and I am considering just putting my fixed income allowance into the MMA.
Thanks for any tips
I am pretty happy with the equity choices I have, but my 401K does not seem to offer good options for my fixed income allocation. This troubles me as I wanted to place all of my tax inefficient bond money in my 401K.
Here are the three choices I have:
1. PIMCO Total Return - 0.9% expense ratio, no-load
2. Goldman Sachs Government Income A (GSGOX) - 1 % expense ratio, no load
3. Merill Lynch Institutional Fund (money market fund) - 0.22 % expense ratio, no load
Which would be best?
I contribute the max to my 401k and have a 70/30 split stocks:bonds.
For now, I am opting for the GSGOX, a intermediate term bond fund. But the cost of the two bond funds just seem obscene to me, and I am considering just putting my fixed income allowance into the MMA.
Thanks for any tips