Xtremeno y vimax argentinatremeno

I used to invest in just VFIAX (S&P500) in a taxable Vanguard acct. After learning of bogleheads I chose to follow the total market for my domestic allocation instead. However, my VFIAX position was too large to sell without significant cap gains so I approximated the total market using complement funds. Bogleheads talks about this here: https://www.bogleheads.org/wiki/Approximating_total_stock_market
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Unfortunately, instead of using VEXAX (S&P500 compliment) to approximate, I did an 80/10/10 split of VFIAX / VIMAX / VSMAX. I've now realized there's significant overlap between VIMAX & VFIAX; as of today 265 of 328 stocks in VIMAX are also in VFIAX (86% of VIMAX market value)
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Should I correct this or leave it be? Selling VIMAX & VSMAX would be ~13K in cap gains (which I can cover with cap losses of an unrelated asset). I have decades of horizon left and my domestic allocation is several hundred thousand now so the ~13K loss could be negligible in the long run. The returns between each option historically have been relatively similar (though 22 years is a small duration to go off): https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=7bpFBWxC1tRQLLiAUs328c
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Curious to hear others' opinions:

• Keep doing what I'm doing; the overlap isn't a big deal.
• Keep VSMAX/VIMAX positions, but moving forward start buying VEXAX to approximate - yet another fund in my portfolio which complicates taxes/rebalancing.
• Trade VSMAX/VIMAX positions for VEXAX; eat the cap gains in favor of a simplified portfolio and "correct" approx over the long haul.

I just received these investment options from my employer and would love to hear what yall would do in my position. This is my first time investing in a 401k and don't know what I'm doing tbh
https://preview.redd.it/nxy88sqqxipc1.png?width=766&format=png&auto=webp&s=278ab99e6388d7e8c73449911b342a39ef973ba8

Man that Raikou goes hard

Hi y'all! I am able to start choosing where to put my investments and having a hard time choosing what is best. I have read and looked on other forums to see advice others have gotten but still coming up a little confused. Right now I am on a 6 month contract to hire and have been working for 60 days. I am in no debt, have some money already in stocks and can transfer over about $5,000 from my last jobs retirement plan. I am 27 and do not mind any risk either! The 4 stocks I have chosen are DISMX (10%), MIGNX (40%), SWPPX (40%), VIMAX (10%). I plan on doing 10% which I might raise to 15% if I can afford it.
Here are the other options with the annual fees and expenses per $1000:
Bond funds-
MXDQX - 0.25% and $ 2.50
PHYQX - 0.38% and $ 3.80
SWRSX - 0.05% and $ 0.50
VSGDX - 0.10% and $ 1.00
IICIX - 0.35% and $ 3.50
Equity Funds-
AEDMX -0.91% and $ 9.10
RERGX - 0.46% and $ 4.60
IGRFX - 0.79% and $ 7.90
DFIEX - 0.24% and $ 2.40
DISMX - 0.47% and $ 4.70
FSSNX - 0.03% and $ 0.30
GSITX - 0.84% and $ 8.40
MIGNX - 0.37% and $ 3.70
SWPPX - 0.02% and $ 0.20
TLTIX - 0.10% and $ 1.00
TLFIX - 0.10% and $ 1.00
TLWIX - 0.10% and $ 1.00
TLQIX - 0.10% and $ 1.00
TLHIX - 0.10% and $ 1.00
TLYIX - 0.10% and $ 1.00
TLZIX - 0.10% and $ 1.00
TLXIX - 0.10% and $ 1.00
TLLIX - 0.10% and $ 1.00
TTIIX - 0.10% and $ 1.00
TVIIX - 0.10% and $ 1.00
TRILX - 0.10% and $ 1.00
VEIRX - 0.19% and $ 1.90
VEXRX - 0.34% and $ 3.40
VGIAX - 0.22% and $ 2.20
VIMAX - 0.05% and $ 0.50
Money Market Funds-
UTIXX - 0.20% and $ 2.00

Hi y’all! You’ve helped me several times with some stuff like this so I’m back looking for advice again. My company allows for an HSA, but the options for what I can invest in are a bit limited. I’m (26) stuck with a 2065 TDF but wondering if there’s anything I’m missing that would be better (hoping to retire well before 2065 and am open to a more stock-centric allocation). Available funds listed below, thank you in advance!

• VLXVX
  
• VUSFX
  
• VBIRX
  
• VBMPX
  
• VTAPX
  
• VIPIX
  
• VEMIX
  
• VTINX
  
• VTPSX
  
• VWIAX
  
• VGSNX
  
• VTTVX
  
• VTHRX
  
• VTTHX
  
• VFORX
  
• VTIVX
  
• VFFVX
  
• VTTSX
  
• VFIFX
  
• VEMPX
  
• VSMAX
  
• VSIAX
  
• VMIAX
  
• VMVAX
  
• VIMAX
  
• VVIAX
  
• VVIIIX
  
• VFTAX
  
• VIGIX
  

Currently 28 y.o. in a work supplied traditional 401k with very little available funds to contribute to. The majority of everyone here is using a variation of a T Rowe Price target date fund in the 0.5% expense ratio range. After these funds it’s basically a 5 vanguard assortment to choose from. When I first got established a few years ago I created a 3 fund portfolio of 70% VFIAX(VTSAX is not available..) 20% VTIAX, 10% VBTLX. I’m debating to realign my funds to gain some of the small cap VSMAX or mid cap VIMAX.
Other options are very high expense ratios (.6-.8%) that I’m avoiding
Thought to do 65% VFIAX, 20% VTIAX, 10% VSMAX, 5% VBTLX. Any suggestions with my limited portfolio options? I’ve considered moving it to one of the TRP target dates to be lazy, but think my options still are fairly solid with vanguard.

Hi everyone!
I am new to investing and to the US. In my 401(k), the following funds have the lowest expense-ratio.

• Vanguard 500 Index Fund (VFIAX): 0.04%
• Vanguard Total Stock Market Index Fund (VTSAX): 0.04%
• Vanguard Total International Stock Index Fund (VTIAX): 0.11%
• Vanguard Emerging Markets Stock Index Fund (VEMAX): 0.14%
• Vanguard Mid-Cap Index Fund (VIMAX): 0.05%
• Vanguard Small-Cap Index Fund (VSMAX): 0.05%

There are others with an expense-ratio of over 0.4% so I didn't list them. I'm 25 y/o and want to focus on just equities as I have a ~40 years time horizon.
My question is: Should I just invest in VTSAX and VTIAX? Or should I do instead VFIAX, VIMAX, VSMAX and VTIAX?
I watched this video on YouTube and I am doubting what to do: https://www.youtube.com/watch?v=r9RL4c3jOsI
Any advice or suggestion is appreciated!
Thanks.

Hi everyone, newbie looking for some guidance on my 401k portfolio. I’m only able to select from a curated fund list so I’d like some advice on how to distribute. Currently thinking to avoid any distributions to bonds until I’m older. I’ve listed all thats being provided so far below, happy to hear everyone’s opinions
Context:

• 25 y/o
• New employer 401k with Human Interest 0% match
• Previous employer with Fidelity, all in Target date fund
• Individual Roth IRA with 80/20 (VTI/VXUS), cannot contribute to it anymore
• Wanted to VTWAX and chill but didnt have the option :(

Current distribution:

• VTSAX 70%
• VTIAX 20%
• VGSLX 10%

What’s available:
US Large stocks

TIAA Social Choice Equity Fund Premier Class TRPSX	.330%
Vanguard 500 Index Admiral VFIAX	.04%
Vanguard FTSE Social Index Fund Admiral Shares VFTAX	.14%
Vanguard Growth Index Admiral VIGAX	.05%
Vanguard Total Stock Market Index Fund Admiral VTSAX	.04%
Vanguard Value Index Admiral VVIAX	.05%

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US Medium Stocks

Vanguard Mid Cap Growth Index Admiral VMGMX	.07%
Vanguard Mid Cap Index Admiral VIMAX	.05%
Vanguard Mid Cap Value Index Admiral VMVAX	.07%

US Small Stocks

Vanguard Small Cap Growth Index Admiral VSGAX	.07%
Vanguard Small Cap Index Admiral VSMAX	.05%
Vanguard Small Cap Value Index Admiral VSIAX	.07%

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International

DFA International Small Cap DFISX	.39%
DFA International Small Cap Value DISVX	.42%
DFA International Value DFIVX	.29%
Vanguard Developed Markets Index Admiral VTMGX	.07%
Vanguard Total International Stock Index Admiral VTIAX	.11%

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Emerging

DFA Emerging Markets Small Cap DEMSX	.6%
DFA Emerging Markets Value DFEVX	.45%
Vanguard Emerging Markets Stock Index Admiral VEMAX	.14%

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Real Estate

DFA Global Real Estate DFGEX	.24%
Vanguard REIT Index Admiral VGSLX	.12%

​

I'm 31 years old and make 32k a year. I've been investing 3% of each paycheck in my 401k for the past 7 years, all of it going to the JPMorgan Investor Balanced R6 mutual fund by default. I finally started learning about investing this year, and I want to switch things up, max out my 401k, and be more aggressive in my investments (I'm thinking 90% stocks, 10% bonds).
I plan on buying the low-cost Vanguard index funds available in my 401k (the Vanguard 500 Index Admiral, Vanguard Mid-Cap Index Admiral, and Vanguard Small-Cap Index Admiral).
However, I don't know what I should buy for international stocks (developed and emerging markets), REITs, bonds, TIPS, etc. Or if I even need all of those things, necessarily. I want a diverse portfolio, but my options are limited, and most of the funds in my 401k have high expense ratios (I've read that it's best kept under 0.20%).
I'd really appreciate some advice on what funds to pick from the list below, as well as suggestions on how much I should allocate to large/mid/small-cap stocks, international stocks, etc.
And in case this is relevant: I also opened at Roth IRA this year and maxed it out, investing in the Vanguard 2055 target-date fund.
Many thanks in advance! =)
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My 401k offers the following 25 funds (I've noted the ones that are eligible for a "revenue credit," too -- which, as I understand it, basically lowers a fund's expense ratio, since you're reimbursed a certain percentage each quarter?):
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ASSET ALLOCATION
Hartford Short Duration Y (HSDYX) -- 0.55% (0.05% revenue credit)
JPMorgan Investor Balanced R6 (JFQUX) -- 0.48%
JPMorgan Investor Conservative Growth R6 (JFLJX) -- 0.48%
JPMorgan Investor Growth & Income R6 (JFBUX) -- 0.49%
JPMorgan Investor Growth R6 (JFTUX) -- 0.53%
Manning & Napier Pro-Blend Cnsrv Term I (MNCIX) -- 0.60% (0.15% revenue credit)
Manning & Napier Pro-Blend Extnd Term I (MNBIX) -- 0.81% (0.15% revenue credit)
Manning & Napier Pro-Blend Max Term I (MNHIX) -- 0.89% (0.15% revenue credit)
Manning & Napier Pro-Blend Mod Term I (MNMIX) -- 0.86% (0.15% revenue credit)
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INTERNATIONAL
American Funds EuroPacific Gr R6 (RERGX) -- 0.46%
Fidelity Emerging Markets (FEMKX) -- 0.92% (0.25% revenue credit)
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SPECIALTY
Cohen & Steers Instl Realty Shares (CSRIX) -- 0.76% (0.10% revenue credit)
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SMALL-CAP FUNDS
Hartford Small Cap Growth R6 (HSLVX) -- 0.77%
Victory Integrity Small-Cap Value R6 (MVSSX) -- 0.97%
Vanguard Small Cap Index Adm (VSMAX) -- 0.05%
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MID-CAP FUNDS
Eaton Vance Atlanta Capital SMID-Cap R6 (ERASX) -- 0.82%
JHancock Disciplined Value Mid Cap R6 (JVMRX) -- 0.76%
Vanguard Mid Cap Index Fund - Admiral (VIMAX) -- 0.05%
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LARGE-CAP FUNDS
Nuveen Dividend Value R6 (FFEFX) -- 0.72%
T. Rowe Price Growth Stock I (PRUFX) -- 0.52%
Vanguard 500 Index Admiral (VFIAX) -- 0.04%
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BOND FUNDS
Metropolitan West Total Return Bond M (MWTRX) -- 0.67% (0.35% revenue credit)
PIMCO Int Bond USD-Hedged Inst (PFORX) -- 0.52%
Vanguard Inflation-Protected Secs Adm (VAIPX) -- 0.10%
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FIXED
Key Guaranteed Portfolio Fund (current fixed rate: 0.90%; minimum rate: 0.00%; plus 0.25% revenue credit)

Hi there personal finance. I'm 22 and making around 50k a year and planning on maxing out a roth ira this year. (70/30 domestic/international SWTSX/SWISX). My job's 401k does not look that appealing so I am asking for your help. I do not pay for rent, and my main expenses are gas and my girlfriend. A typical month has $1k in expenses. Another $500 will go to my roth ira. What percentage should I contribute to an 401k? I was thinking 8% pretax but open to suggestions. Also my employer does not have a match. Yes I have read the wiki, looking for personalized advice :)
These are my possible 401k investments: BONDS
:--:--
Dfa Inflation Protected Securities IDIPSX (0.11%)
Goldman Sachs Us Mortgages InstGSUIX (0.51%)
Metropolitan West Total Return Bond IMWTIX (0.46%)
Pgim High Yield ZPHYZX (0.54%)
Schwab Treasury Inflation Protected Securities IndexSWRSX (0.05%)
Vanguard Mortgage Backed Securities Index AdmlVMBSX (0.07%)
Vanguard Short Term Federal AdmnVSGDX (0.10%)
EQUITY
American Funds Europacific Growth R6RERGX (0.46%)
Dfa Emerging Markets Core Equity IDFCEX (0.39%)
Dfa International Core Equity IDFIEX (0.24%)
Dfa Us Small Cap IDFSTX (0.33%)
Goldman Sachs Large Cap Growth Insights InstGCGIX (0.58%)
Invesco Oppenheimer International Growth YOIGYX (0.88%)
Janus Henderson Triton IJSMGX (0.76%)
Principal Mid Cap R5PMBPX (0.84%)
Schwab S&P 500 IndexSWPPX (0.02%)
Tiaa-Cref Lifecycle Index 2010 InstTLTIX (0.25%)
Tiaa-Cref Lifecycle Index 2015 InstTLFIX (0.23%)
Tiaa-Cref Lifecycle Index 2020 InstTLWIX (0.21%)
Tiaa-Cref Lifecycle Index 2025 InstTLQIX (0.20%)
Tiaa-Cref Lifecycle Index 2030 InstTLHIX (0.20%)
Tiaa-Cref Lifecycle Index 2035 InstTLYIX (0.19%)
Tiaa-Cref Lifecycle Index 2040 InstTLZIX (0.19%)
Tiaa-Cref Lifecycle Index 2045 InstTLXIX (0.19%)
Tiaa-Cref Lifecycle Index 2050 InstTLLIX (0.19%)
Tiaa-Cref Lifecycle Index 2055 InstTTIIX (0.20%)
Tiaa-Cref Lifecycle Index 2060 InstTVIIX (0.26%)
Tiaa-Cref Lifecycle Index Retirement Income InstTRILX (0.26%)
Vanguard Equity Income AdmlVEIRX (0.19%)
Vanguard Growth And Income AdmlVGIAX (0.22%)
Vanguard International Explorer InvVINEX (0.39%)
Vanguard Mid Cap Index Fund AdmlVIMAX (0.05%)
Vanguard Windsor InvVWNDX (0.29%)
Virtus Emerging Market Opportunities InstHIEMX (1.26%)
MONEY MARKET
Federated Hermes Us Treasury Cash Reserves InstUTIXX (0.29%)​