Two Plus Two Newer Archives  

Go Back   Two Plus Two Newer Archives > Other Topics > Business, Finance, and Investing
FAQ Community Calendar Today's Posts Search

 
 
Thread Tools Display Modes
Prev Previous Post   Next Post Next
  #1  
Old 10-29-2007, 01:40 PM
CobraGoat CobraGoat is offline
Senior Member
 
Join Date: May 2005
Location: The Jack Burton of uNL
Posts: 999
Default Mistake to overallocate in low expense funds for 401K?

The following are the funds available for me to invest in through my firm's 401K with each expense ratio:

1. Gold Sachs Short Durat Gov (GSTGX)- .54
2. Dodge Cox Inc (DODIX)- .44
3. American Funds American Hi INc (RITEX)- .72
4. American Beacon Lrg Cp Value (AAGPX)- .86
5. Davis NY Venture (NYVTX)- .89- 4.75% Front Load [img]/images/graemlins/shocked.gif[/img]
6. Vanguard 500 Ind (VFINX)- .18
7. American Funds Grth Fund (RGAEX)- .68
8. Gold Sachs Md Cap Val (GSMCX)- .82
9. Vanguard Mid Cap Ind (VIMSX)- .22
10. Northern SmallCp Val (NOSGX)- 1.00
11. T.Rowe New HOriz (PRNHX)- .84
12. American Funds Euro Pac (REREX)- .83
13. Dodge Cox INt Stck (DODFX)- .7

Obviously I know i need to diversify etc. But these expense ratios on the whole seem really high. Would it be a big mistake to heavily weight my 401K in the Vanguard funds specifically the 500 INdex, due to their much lower exp ratios? Also, how does a fund with a front end load effect me if it makes up a small part of my 401K portfolio?

I feel like i have a pretty crappy selection to pick from. Is there anything i can do to have better funds to choose from?

What about this allocation:

DODIX- 10%
VFINX- 25%
RGAEX- 25%
VIMSX- 15%
PRHNX- 10%
DODFX- 15%
Reply With Quote
 


Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -4. The time now is 06:22 AM.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.