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My 401(k) Is Killing Me - Fund Follow Up
Posted on December 21, 2007 |
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Hank over at My Investing Blog asked what funds my 401(k) was invested in. Here you go along with the percentages my contributions invest in:
Vanguard 500 Index Fund Signal (VIFSX) 15%
Fidelity Contrafund (FCNTX) 20%
Artisan Mid Cap Inv CL (ARTMX) 10%
Hotchkis and Wiley Mid-Cap Value Fund Class I (HWMIX) 10%
American Beacon Sml Cap Val Inst CL (AVFIX) 20%
American Funds New Perspective Fund Class R5 (RNPFX) 10%
Fidelity Diversified International Fund (FDIVX) 10%
PIMCO Total Return Inst CL (PTTRX) 5%
Artisan Mid Cap Inv CL (ARTMX) 10%
Hotchkis and Wiley Mid-Cap Value Fund Class I (HWMIX) 10%
American Beacon Sml Cap Val Inst CL (AVFIX) 20%
American Funds New Perspective Fund Class R5 (RNPFX) 10%
Fidelity Diversified International Fund (FDIVX) 10%
PIMCO Total Return Inst CL (PTTRX) 5%
I think I’m getting good exposure to Large-, Mid-, and Small-Cap stocks as well as International with a bit of cash thrown in too.
Let me know what you think!
Related post: My 401(k) Is Killing Me I’ll Never Retire!
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Filed Under Investing, Money, Work, retirement
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5 Responses to “My 401(k) Is Killing Me - Fund Follow Up”
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Hey FFB - thanks for the mention! A few things I’d think about - Again, I’m no professional advisor, but…
I may try to trim it down - you might have some overlapping funds that are in the same markets, check the MorningStar Xray tool to help - or Schwab has one too I believe. Also, how old are you? Do you have a long time till retirement? That’d help out determining what you need - See this post for more info: how much should I save per paycheck
As for the funds themselves:
VIFSX is a good VERY low expense ratio fund (0.09%), but hasn’t been a superstar in returns. It’s got GE, EXXON, and Microsoft (similar to some of your funds below).
FCNTX kicks butt - I would invest in that one if I had it. Relatively low .90% expense ratio, large cap, 5 star from morningstar packing in the heavy hitters from tech industry (Google, Apple, HP) - I might use this as my main allocation.
ARTMX - is a good growth stock, looks to have turned a pretty good return YTD (20.68) - 1.18 expense - I like this one also. Cuts in on the Mid-cap range that swings pretty hard and has different allocations to diversify what you’ve got with FCNTX.
HWMIX looks to have taken a beating this year so far, isn’t great at Morningstar (2.7 stars) - eh, so so…
AVFIX - another mediocre player, very similar to allocation and summary as HWMIX - so so again.
RNPFX - has some of the same holdings as I’ve seen before Large cap Blend, but a good fund, has done well this year and morningstar gives it a 4. Has a few international keys on it, but carries some big dogs like Microsoft and GE similar to FCNTX
FDIVX - here is your international exposure - Vodafone, Bayer, Nintendo - I like this one for international a lot. Pretty solid.
PTTRX - mostly cash and bonds here - a fund of funds, depending on age, I don’t know if I’d bank on it -
So all-in-all, again, I’m no professional advisor, but if were you, I would look into possibly trimming some of the fat - the big dog funds you have are what you’re looking for anyway (I’m assuming you’re under 33ish) to keep for the long haul, so why split them up too much if they’re working and returning well? Check google for “overallocation” perhaps and maybe take out some of the funds that are just riding the coat-tails of your money makers.
Hope it helps, but again, just my opinion.
Wow Hank! That is a monster of an informative comment! I had been thinking about overlapping funds. I’ll do some research and see what I can re-allocate.
Thanks for the time you gave for the analysis!