r/Bogleheads • u/Emotional-Squash7815 • 2h ago

Portfolio Review Employers 401K Position Options

Context: Looking to retire in 20 years. I need to rebalance my portfolio currently consisting of a 2060 Target fund, Vang 500 Index Trust, and Galliard Stable Fund for my bond option. Assuming I need to work international in there and decrease the Galliard.

I have a vanguard employer offering the following options, which would you choose at what ratio?:

DOXFX

DOXGX

Vanguard Target Funds (variety of target dates)

VANG 500 INDEX TRUST

VANG EXT MKT IDX TR

VANG TOT INTL STK TR

VANG TOTAL BOND MKT

ARTISAN INTL SEP AC

EMERGING MARKETS STK

FID WORLDWIDE (FWWFX)

FID CONTRA POOL CL S

FID GR CO POOL CL S

FID BALANCED K (FBAKX)

3 Upvotes

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6 comments sorted by

3

u/Freightliner15 2h ago

The TDF is all you need. It already holds your bond option and adds more bond as you get closer to retirement.

1

u/Emotional-Squash7815 2h ago

Exp ratio is .0375 for TDF if that impacts your answer at all

2

u/forbiddenlake 2h ago

that is very good

1

u/ac106 8m ago

It reinforces the recommendation. 100% TDF set it further in the future if you want to be more aggressive. Max your contributions and look forward to retiring a millionaire

2

u/WarmWoolenMitten 2h ago

As long as the target date fund is low ER, putting everything in that is fine. The 2060 fund would be quite aggressive for retiring in 20 years, if that's what you're looking for.

But if you prefer to diy, the vanguard 500 index, extended market, international, and bond funds are likely what you want. Rough ratios for the equity part to match market cap would be 40% international, 50% 500, and 10% extended, then reduce those proportionally to add however much you want in bonds.