Dear friends,
My spouse's company recently changed their 401k provider to Fidelity and their only options for fixed income are as follows:
Core/Intermediate Bond Fund (Benchmark: Bloomberg US Aggregate Bond Index)/ER 0.16%
Short Term Bond Fund (Benchmark: Bloomberg US 1-3 Year Government/Credit Bond Index)/ER 0.11%
Vanguard Treasury Money Market Fund Investor Shares (VUSXX)/ER 0.09%
We are currently 100% equities but would like to glide path to 60/40 in 10-12 years. On my side I have access to the G Fund (by TSP) so will be putting new payroll contributions there.
Questions:
1. What do you suggest we put in my spouse's account being that we are also contributing to the G Fund moving forward?
2. Is the Core/Intermediate Bond Fund comparable to Total Bond? Is an ER of 0.16% too high?
3. Is it better to go VUSXX vs Bond Funds and put all the risk on the equity side?
Thanks in advance.
My spouse's company recently changed their 401k provider to Fidelity and their only options for fixed income are as follows:
Core/Intermediate Bond Fund (Benchmark: Bloomberg US Aggregate Bond Index)/ER 0.16%
Short Term Bond Fund (Benchmark: Bloomberg US 1-3 Year Government/Credit Bond Index)/ER 0.11%
Vanguard Treasury Money Market Fund Investor Shares (VUSXX)/ER 0.09%
We are currently 100% equities but would like to glide path to 60/40 in 10-12 years. On my side I have access to the G Fund (by TSP) so will be putting new payroll contributions there.
Questions:
1. What do you suggest we put in my spouse's account being that we are also contributing to the G Fund moving forward?
2. Is the Core/Intermediate Bond Fund comparable to Total Bond? Is an ER of 0.16% too high?
3. Is it better to go VUSXX vs Bond Funds and put all the risk on the equity side?
Thanks in advance.
Statistics: Posted by RJC — Sat Oct 26, 2024 8:07 pm — Replies 1 — Views 204