Personal Investments • New employer 403B plan

Hello,
I've started a new employer and need help figuring out the 3-Fund portfolio with the options within the 403B plan. The American Funds Capital World (RWGX) and the American Funds EuroPacific Gr R6 have confusing expense ratios that I cannot comprehend so I'm including their charts. Thanks in advance for your help.


Vanguard Balanced Index Fund (No ticker symbol) ER 0.06%
T. Rowe Price Capital Appreciation (TRAIX) ER 0.59%
American Funds Capital World (RWIGX) ER

Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)
Share class:ACTF-1F-2F-3529-A
Management fees0.37%0.37%0.37%0.37%0.37%0.37%0.37%
Distribution and/or service (12b-1) fees0.240.990.250.24nonenone0.23
Other expenses0.140.140.1420.200.150.040.19
Total annual fund operating expenses0.751.500.760.810.520.410.79

Share class:529-C529-E529-T529-F-1529-F-2529-F-3R-1
Management fees0.37%0.37%0.37%0.37%0.37%0.37%0.37%
Distribution and/or service (12b-1) fees1.000.500.250.25nonenone1.00
Other expenses0.190.150.170.250.1620.100.14
Total annual fund operating expenses1.561.020.790.870.530.471.51

Share class:R-2R-2ER-3R-4R-5ER-5R-6
Management fees0.37%0.37%0.37%0.37%0.37%0.37%0.37%
Distribution and/or service (12b-1) fees0.750.600.500.25nonenonenone
Other expenses0.390.240.190.140.190.090.04
Total annual fund operating expenses1.511.211.060.760.560.460.41

American Funds EuroPacific Gr R6 (RERGX) ER

Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment)
Share class:ACTF-1F-2F-3529-A
Management fees0.42%0.42%0.42%0.42%0.42%0.42%0.42%
Distribution and/or service (12b-1) fees0.240.990.250.25nonenone0.22
Other expenses0.190.180.1720.190.150.050.22
Total annual fund operating expenses0.851.590.840.860.570.470.86

Share class:529-C529-E529-T529-F-1529-F-2529-F-3R-1
Management fees0.42%0.42%0.42%0.42%0.42%0.42%0.42%
Distribution and/or service (12b-1) fees0.980.500.250.25nonenone1.00
Other expenses0.230.180.210.250.150.100.15
Total annual fund operating expenses1.631.100.880.920.570.521.57

Share class:R-2R-2ER-3R-4R-5ER-5R-6
Management fees0.42%0.42%0.42%0.42%0.42%0.42%0.42%
Distribution and/or service (12b-1) fees0.750.600.500.25nonenonenone
Other expenses0.390.250.200.150.200.100.05
Total annual fund operating expenses1.561.271.120.820.620.520.47

Invesco Developing Markets Y (ODVYX) ER 1.00%
DFA Real Estate Securities I (DFREX) ER 0.18%
AB Small Cap Growth K (QUAKX) ER 1.14%
Fidelity Small Cap Index (FSSNX) ER 0.025%
Victory Sycamore Small Co Opportunity I (VSOIX) ER 1.26%
American Century Mid Cap Value R6 (AMDVX) ER 0.98%
Baron Growth Instl (BGRIX) ER 1.00%
Fidelity Mid Cap Index (FSMDX) ER 0.025%
Fidelity 500 Index (FXAIX) ER 0.015%
MFS Massachusetts Investors Gr Stk R3 (MIGHX) ER 0.71%
Vanguard Value Index (VIVIX) ER 0.04%
Fidelity US bond Index (FXNAX) ER 0.025%
Pioneer Strategic Income Y (STRYX) ER 0.70%
PGIM High Yield Z (PHYZX) 0.51%
Voya Global Bond I (IGBIX) ER 0.65%
Empower SDB Sweep Program (EMPMM) ER
Empower SDB Securities (No ticker)
Empower SDB Securities Roth (no ticker)
Guaranteed Long-Term Acct (no ticker)

Statistics: Posted by FENDERSTRYKER75 — Wed Nov 06, 2024 9:04 pm — Replies 3 — Views 182

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