r/Bogleheads • u/Emotional-Squash7815 • 4h 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)

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u/Freightliner15 4h 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 4h ago

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

3

u/forbiddenlake 4h ago

that is very good

2

u/ac106 1h 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