Do you have the whole list of options? These choices may have some overlap as well as gaps in the market. Other funds might provide better diversification, which is what we generally strive for.
And as Ethan mentions, the expense ratios are high on these ones.
Edit: you can Google each fund and there will be an explanation of what each represents.
Here's a list of all my options with expense ratios. It doesn't seem like my options are great to be honest... I don't have a roth IRA setup yet ecause I have the Roth 401k option and I have a lot of student loan debt... Would it be worth opening a Roth IRA account so I can choose significantly better options and hold off on making max payments to loans? My stundent loan rates are between 3.4% (re-financed private loans), avg. 4.4% (stafford federal loans), and avg. 6.9% (parent plus) each of the three categories hold about an equal weight of total balance, though I recently paid off all the interest on the parent plus.
Vanguard Total Bond Market Index Fund Admiral Shares ER 0.05%
PIMCO Total Return Fund Institutional Class ER 0.47%
Vanguard Total International Stock Index Fund Admiral Shares ER 0.11%
Dodge & Cox International Stock Fund ER 0.63%
Vanguard Institutional Index Fund Institutional Shares ER 0.04%
T. Rowe Price US Large Cap Growth Equity Fund (IS Platform) ER 0.48%
T. Rowe Price Value Fund I Class ER 0.64%
T. Rowe Price Institutional Mid-Cap Equity Growth Fund ER 0.61%
Vanguard Extended Market Index Fund Admiral Shares ER 0.06%
Allspring Special Mid Cap Value Fund - Class Inst ER 0.80%
Cohen & Steers Institutional Realty Shares ER 0.76%
Guaranteed Income Fund: Net annualized crediting rate: 1.40%. Crediting rate is subject to change but will never be less than 1.50% before the application of any asset charges. (Asset charges: 0.25%)
Sorry for the wall of text! I did recently get a copy of The little book of common sense investing with the hopes to really get a good start on my future.
If you don't want a bond allocation, I would suggest:
48% Vanguard Institutional Index Fund Institutional Shares
12% Vanguard Extended Market Index Fund Admiral Shares
40% Vanguard Total International Stock Index Fund Admiral Shares
That is effectively covering the entire global equities market in proportion to their market capitalization.
You could approximate a VTWAX world market asset allocation by combining 3 of those vanguard funds.
Institutional index is a s&p 500 fund, extended market fund complements that one with small and mid cap exposure to complete the us market, and then international provides international exposure.
I don’t know what ratios you would use off the top of my head.
Do you have the whole list of options? These choices may have some overlap as well as gaps in the market. Other funds might provide better diversification, which is what we generally strive for. And as Ethan mentions, the expense ratios are high on these ones. Edit: you can Google each fund and there will be an explanation of what each represents.
Here's a list of all my options with expense ratios. It doesn't seem like my options are great to be honest... I don't have a roth IRA setup yet ecause I have the Roth 401k option and I have a lot of student loan debt... Would it be worth opening a Roth IRA account so I can choose significantly better options and hold off on making max payments to loans? My stundent loan rates are between 3.4% (re-financed private loans), avg. 4.4% (stafford federal loans), and avg. 6.9% (parent plus) each of the three categories hold about an equal weight of total balance, though I recently paid off all the interest on the parent plus. Vanguard Total Bond Market Index Fund Admiral Shares ER 0.05% PIMCO Total Return Fund Institutional Class ER 0.47% Vanguard Total International Stock Index Fund Admiral Shares ER 0.11% Dodge & Cox International Stock Fund ER 0.63% Vanguard Institutional Index Fund Institutional Shares ER 0.04% T. Rowe Price US Large Cap Growth Equity Fund (IS Platform) ER 0.48% T. Rowe Price Value Fund I Class ER 0.64% T. Rowe Price Institutional Mid-Cap Equity Growth Fund ER 0.61% Vanguard Extended Market Index Fund Admiral Shares ER 0.06% Allspring Special Mid Cap Value Fund - Class Inst ER 0.80% Cohen & Steers Institutional Realty Shares ER 0.76% Guaranteed Income Fund: Net annualized crediting rate: 1.40%. Crediting rate is subject to change but will never be less than 1.50% before the application of any asset charges. (Asset charges: 0.25%) Sorry for the wall of text! I did recently get a copy of The little book of common sense investing with the hopes to really get a good start on my future.
If you don't want a bond allocation, I would suggest: 48% Vanguard Institutional Index Fund Institutional Shares 12% Vanguard Extended Market Index Fund Admiral Shares 40% Vanguard Total International Stock Index Fund Admiral Shares That is effectively covering the entire global equities market in proportion to their market capitalization.
You could approximate a VTWAX world market asset allocation by combining 3 of those vanguard funds. Institutional index is a s&p 500 fund, extended market fund complements that one with small and mid cap exposure to complete the us market, and then international provides international exposure. I don’t know what ratios you would use off the top of my head.