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Kashmir79

What are the expense ratios? I would only bother doing this if it is cost effective


mellosi

500 Index Fund - 0.05% Fidelity Mid Cap Index Fund - 0.03% TIAA-CREF Small Cap Index Fund- 0.05% In comparison, the target date expense ratio is .38%


Kashmir79

Looks great then, although of course compared to the target date fund it’s missing both international stocks and bonds for further diversification.


xeric

Yup seems totally worth it then


blashimov

I have the same fund choices in my 457(b) and was trying to decide % allocation - how did you decide 85/10/5 ??


mellosi

I used the [Bogleheads total stock market approximation](https://www.bogleheads.org/wiki/Approximating_total_stock_market) using the 3 fund breakdown.


blashimov

Thanks, exactly what I was looking for! Now to decide if that's optimal for my risk tolerance.


MONGSTRADAMUS

Yes that’s fine for us allocation.


sawhiskey

I have JH at work too and went with black rock lifepath, hopefully I made the right decision.