[CobraGoat]

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Cobra, that is actually a very very strong lineup of choices and is among the very best I have seen. A few notes:

NYVTX almost certainly does not have a load. It is offered in 401k plans as load waived so you just pay the expense ratio.

I like your allocation except for a bit of an underweighting to international. I might do DODFX as 25% and just use VFINX as 40% while eliminating RGAEX. This is both expense ratio friendly and gives you a more favorable balance of large, mid and international.

I think the great majority of American workers would kill to have your choices with the low associated expense ratios. You can make a case to the provider for certain fund inclusions and chances are they may be willing as this company appears to have the ability to use many fund companys on one platform.

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wdc,

that is very interesting to know. with my newb investing knowledge i just assumed since most of the funds had expense ratios 2-3x more than the vanguard funds that they were less than desirable. good to know i was wrong.

the front load waiver for 401k is also very good to know as well. so then i take it the answer to my original question "would it be a mistake to overallocate in low expense funds?" would be "yes, it would be a mistake."

thanks for your thoughts.