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Do you guys think I should create my own balanced fund instead, I have a auto rebalance every 90 days feature also, these are my best funds with expense ratios:
Ssga S&P 500 0.21%
Ssga Extended market 0.24%
Ssga International EAFE index 0.27%
Ssga U.S Bond index 0.22%
Dodge and Cox Stock fund 0.72%
Do you guys think I should create my own balanced fund instead, I have a auto rebalance every 90 days feature also, these are my best funds with expense ratios:
Ssga S&P 500 0.21%
Ssga Extended market 0.24%
Ssga International EAFE index 0.27%
Ssga U.S Bond index 0.22%
Dodge and Cox Stock fund 0.72%
Can you resist the urge to fiddle with it, and just let the auto-balance do it's thing every ninety days? If we have another big market crash like the one in 2007-2008, are you SURE you could just sit tight and do nothing?
If you can honestly answer yes to both those questions, creating your own "balanced fund" by investing in those Saga funds instead of your target date fund would probably be fine (and you'd save a bit of money on expense fees). But the savings are small, and it won't offer a big performance improvement over the target date fund you already have. Frankly, I'd just keep investing int he target date fund, and follow mysticaltygers's advice about working on increasing your savings rate so you can invest more money.
I was thinking about shifting to a simple 60/40 portfolio with 60% in the S&P 500 and 40% in the bond index fund, I know this would be conservative for my age (29) but I think I could hold this allocation for decades...
I'm 29 and currently putting 15% of my income to my 401k in a Ssga 2045 target date fund, although investing consistently in this fund for two years now my returns are below the actual returns of the fund, example YTD it says the fund is up 2.08% but is shows my performance at 1.52% Are there hidden fees or something, it says the net fees are 0.28 for this fund
I'm a little older than you, but looked into target funds because they have started to become popular. Honestly, I think your better just investing in a well balanced index fund if you can. Invest in something with low fees and that invests in most of the stock market. Not sure what your choices are though.
You should diversify and not put your entire 401 (k) in just one fund especially if its return is below the rate of inflation.
You're young, put a percentage (10-15%) of your contributions in higher risk funds. IS there a advisor at your company you can talk to about your long term goals?
I was thinking about shifting to a simple 60/40 portfolio with 60% in the S&P 500 and 40% in the bond index fund, I know this would be conservative for my age (29) but I think I could hold this allocation for decades...
Nothing wrong with a 60:40 balanced portfolio; you could keep it for life. (I'd diversify a bit beyond the S&P 500, though, and also add indexed funds that cover mid-cap and small-cap US companies and international stocks).
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Are there hidden fees or something, it says the net fees are 0.28 for this fund 
