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Author: dsemmler Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76397  
Subject: New 401k Plan Date: 6/3/2005 2:36 PM
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About a month ago, I started a new job and now have a new 401k plan. After looking over the plan and the prospectus, I made my initial choices but thought I would come here for some feedback on the fund options in my plan.

As a little background, up until now my retirement savings are all at Vanguard as I rolled a previous 401k to an IRA at Vanguard and with my last employer I had established a SIMPLE IRA at Vanguard. In addition, my Roth IRA is at Vanguard. My approach has been to stick with index funds and I kept it overly simplistic with all of my investments in either the S&P 500 Index Fund (VFINX) or the Total Stock Market Index Fund (VTSMX). The reason for both is that I had started with the S&P 500 and then switched over to the TSM with new contributions. At times, one zigs and the other zags but they have both performed similarly. The current breakdown is about 25% in VFINX and 75% in VTSMX.

I am 29 years old and do not feel I have to have a bond allocation at this time, I am comfortable with the risks inherit with a 100% position in stocks/stock funds. However, I have been kicking around the idea of adding some international exposure and possibly some REIT exposure.

With all of that said, let me get to the funds offered in my new plan:

VINIX - Vanguard Institutional Index
VIEIX - Vanguard Extended Market Index Institutional Class
DODBX - Dodge & Cox Balanced Fund
PVYYX - Putnam Voyager Fund Class Y
RERFX - Eurpacific Growth Fund Class R-5 (American Funds)
PGIYX - Putnam Growth & Income Class Y
PGEYX - The George Putnam Fund of Boston Class Y
RWMFX - Washington Mutual Investors Class R-5 (American Funds)
RICFX - Investment Company of America Class R-5 (American Funds)

There are two other options within the plan, one is the company stock and one is a stable value fund. At the present time, I enrolled with my contributions as follows:

40% - VINIX
40% - VIEIX
10% - DODBX
10% - company Stock (I want to establish a position here but not let it get too large)

After reviewing more information on each of the funds, I am contemplating an adjustment to add some exposure in the Eurpacific Growth Fund (RERFX) to begin establishing an international aspect to my allocation.

So, I would appreciate any and all comments on the funds offered in my plan and/or my approach to investing. If there are any details that I left out that would be beneficial, please let me know.

Thanks!

dt

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