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Financial Planning / Foolish 401(k)s


Subject:  Re: 401K portfolio distribution Date:  9/26/2013  1:34 PM
Author:  op456op Number:  25149 of 26139

I would encourage you to review all 25 or so different places you could move money to to compare fees, costs and type of funds they are. If for no other reason than to find out all your options. You can probably do it on your Company's Fidelity site or on Google or Yahoo Finance sites (which might be easier to get started in your review).

For instance the fund you cited, FFKGX, can be found here:

or here:

Just plug in the appropriate symbol and review them. Google shows it to have a 0.68% expense ratio and while not real high compared to some really active funds on the market, they are probably somewhat higher than the index funds that I would bet you have in that list of 25 or so funds. I would guess the index funds are less than 0.20% expense ratio. Fees matter over time & as Fuskie pointed out target date funds tend to have higher expenses. And there are many examples that most actively managed funds do not outperform index funds.

On the other hand, if it's simplicity you're looking for, go with your target date funds.

Confused?. Keep asking questions, there is TONS of knowledge here at The Fool.

Good Luck!
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