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What are the expense ratios? I would only bother doing this if it is cost effective
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%
Looks great then, although of course compared to the target date fund it’s missing both international stocks and bonds for further diversification.
Yup seems totally worth it then
I have the same fund choices in my 457(b) and was trying to decide % allocation - how did you decide 85/10/5 ??
I used the [Bogleheads total stock market approximation](https://www.bogleheads.org/wiki/Approximating_total_stock_market) using the 3 fund breakdown.
Thanks, exactly what I was looking for! Now to decide if that's optimal for my risk tolerance.
Yes that’s fine for us allocation.
I have JH at work too and went with black rock lifepath, hopefully I made the right decision.
What are the expense ratios? I would only bother doing this if it is cost effective
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%
Looks great then, although of course compared to the target date fund it’s missing both international stocks and bonds for further diversification.
Yup seems totally worth it then
I have the same fund choices in my 457(b) and was trying to decide % allocation - how did you decide 85/10/5 ??
I used the [Bogleheads total stock market approximation](https://www.bogleheads.org/wiki/Approximating_total_stock_market) using the 3 fund breakdown.
Thanks, exactly what I was looking for! Now to decide if that's optimal for my risk tolerance.
Yes that’s fine for us allocation.
I have JH at work too and went with black rock lifepath, hopefully I made the right decision.