Hello! I enrolled with my 401k for my first job out of university, and was sad to see that there was no small cap index fund, with the singular alternative being a mutual fund with 0.72% expense ratio. My current allocation is 40% large-cap, 30% mid-cap, and 30% international, all stocks as I'm in my early 20s. I have a feeling I'm overthinking the Target Date Fund, which is 56/34/10 for U.S. stock, Int. stock, and bonds, which has a slightly higher expense ratio than my current allocation (0.06 compared to 0.03). Would you all recommend I simplify and go for the Target Date Fund in this case?
Statistics: Posted by suko23 — Tue May 07, 2024 8:58 pm — Replies 6 — Views 387