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ccostantino

403b - Dazed and Confused

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So, I finally have enough of a paycheck to start putting away for retirement and I am MIND BOGGLED by my options.  I have a list of my available options and need some help!!

Should I opt for the easy managed version and lose out on potential extras later or is it worth my time to dig in and figure these out?  It all seems so foreign.

 
1 Yr 3 Yr 5 Yr 10 Yr Life As of
Large Cap Growth
FID CONTRAFUND K
Inception Date 05/17/1967
12.57% 16.73% 12% 14.22% 12.49% 10/31/2019  %
HARBOR CAP APP RET
Inception Date 12/29/1987
13.73% 18.21% 12.85% 14.59% 11.73% 10/31/2019  %
Large Cap Blend
VANG INST INDEX PLUS
Inception Date 07/31/1990
14.32% 14.89% 10.77% 13.69% 9.91% 10/31/2019  %
Large Cap Value
DODGE & COX STOCK
Inception Date 01/04/1965
6.54% 12.3% 8.63% 12.6% 11.01% 10/31/2019  %
JH DISCPL VALUE R6
Inception Date 01/02/1997
6.53% 11.24% 6.98% 11.57% 8.61% 10/31/2019  %
Mid-Cap Growth
WM BLAIR SMIDCP GR I
Inception Date 12/29/2003
13.54% 19.13% 12.78% 15.31% 11.08% 10/31/2019  %
Mid-Cap Blend
VANG EXT MKT IDX ISP
Inception Date 12/21/1987
9.04% 12.14% 8.1% 13.32% 10.63% 10/31/2019  %
Small Cap Growth
WASATCH SM CAP GR IS
Inception Date 12/08/1986 View Restrictions
14.52% 17.8% 11.31% 14.13% 12.1% 10/31/2019  %
Small Cap Value
VI SM-CAP VAL R6
Inception Date 03/30/2004
1.67% 7.74% 4.93% 11.64% 8.06% 10/31/2019  %
DFA US TARGET VALUE
Inception Date 02/23/2000
0.88% 7.04% 4.8% 11.5% 10.45% 10/31/2019  %
Foreign
FID DIVERSIFD INTL K
Inception Date 12/27/1991
16.14% 9.02% 5.26% 6.67% 8.15% 10/31/2019  %
TIF INTL EQ SER PRIM
Inception Date 10/18/1990
1.82% 4.3% 1.63% 3.77% 7.25% 10/31/2019  %
TMPL INST FRGN SM CO
Inception Date 10/21/2002
9.64% 7.46% 4.95% 7.65% 10.39% 10/31/2019  %
DFA INTL SMALL CO I
Inception Date 09/30/1996
6.44% 6.81% 5.82% 7.54% 6.73% 10/31/2019  %
VANG TOT INTL STK IP
Inception Date 04/29/1996
11.1% 7.93% 3.95% 5.16% 4.7% 10/31/2019  %
Diversfd Emerging Mkts
DFA EMERG MKTS VAL I
Inception Date 04/01/1998
4.83% 5.7% 2.14% 2.81% 9.37% 10/31/2019  %
NB EMERG MKTS EQ R6
Inception Date 10/08/2008
14.72% 7.46% 3.83% 4.24% 8.06% 10/31/2019  %
International
HTFD INTL SM CO Y
Inception Date 04/30/2001
-0.06% 3.92% 2.87% 6.83% 7.62% 10/31/2019  %
Blended Investments Glossary definition for Blended Investments
Investment

Average Annual Returns

Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
Asset Allocation
BLKRK LP IDX 2020 K
Inception Date 05/31/2011
11.93% 7.36% 5.45% N/A 6.1% 10/31/2019  %
BLKRK LP IDX 2030 K
Inception Date 05/31/2011
12.81% 9.24% 6.5% N/A 7.12% 10/31/2019  %
BLKRK LP IDX 2040 K
Inception Date 05/31/2011
13.33% 10.83% 7.33% N/A 7.93% 10/31/2019  %
BLKRK LP IDX 2050 K
Inception Date 05/31/2011
13.71% 11.42% 7.67% N/A 8.36% 10/31/2019  %
BLKRK LP IDX RTMT K
Inception Date 05/31/2011
11.93% 6.72% 5.11% N/A 5.57% 10/31/2019  %
VANG BAL INDEX INST
Inception Date 11/09/1992
13.08% 10.08% 7.62% 9.81% 8.3% 10/31/2019  %
BLKRK LP IDX 2025 K
Inception Date 05/31/2011
12.4% 8.34% 6.03% N/A 6.65% 10/31/2019  %
BLKRK LP IDX 2035 K
Inception Date 05/31/2011
13.16% 10.08% 6.97% N/A 7.54% 10/31/2019  %
BLKRK LP IDX 2045 K
Inception Date 05/31/2011
13.62% 11.29% 7.61% N/A 8.2% 10/31/2019  %
BLKRK LP IDX 2055 K
Inception Date 05/31/2011
13.74% 11.41% 7.71% N/A 8.5% 10/31/2019  %
FID STRAT REAL RET
Inception Date 09/07/2005
5.19% 3.33% 1.37% 3.62% 2.81% 10/31/2019  %
BLKRK LP IDX 2060 K
Inception Date 02/29/2016
13.72% 11.44% N/A N/A 12.71% 10/31/2019  %
Bond/Stable Value Inv Glossary definition for Bond/Stable Value Inv
Investment

Average Annual Returns

Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
Intermediate-Term
J H FLEXIBLE BOND N
Inception Date 07/07/1987
10.97% 3.3% 3.01% 4.32% 6.57% 10/31/2019  %
VANG TOT BD MK IS PL
Inception Date 12/11/1986
11.51% 3.27% 3.22% 3.7% 5.91% 10/31/2019  %
TCW CORE FIXED INC I
Inception Date 02/26/1993
11.48% 3.27% 3% 4.22% 5.46% 10/31/2019  %
Short-Term
TRP SHORT TERM BD I
Inception Date 03/02/1984
4.89% 2.25% 1.83% 1.82% 4.89% 10/31/2019  %
High-Yield
PGIM HIGH YIELD R6
Inception Date 03/29/1979
9.73% 6.79% 5.85% 7.79% 7.81% 10/31/2019  %
Stable Value
METLIFE FIXED-NEW (FA)
Inception Date 03/31/1994 View Restrictions
N/A N/A N/A N/A N/A N/A  %
PRUDENTIAL GIA View Restrictions N/A N/A N/A N/A N/A N/A  %
Short-Term Investments Glossary definition for Short-Term Investments
Investment

Average Annual Returns

Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
FIMM TREAS ONLY INST
Inception Date 10/03/1990
7 day yield as of 10/31/2019  1.75%
2.19% 1.45% 0.91% 0.46% 2.63% 10/31/2019  %
 

 

 

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Costantino, sounds like a nice Italian name. I'm Italian too. Regardless welcome to the board.

1.You have some good options but before we proceed can you explain who is overseeing your funds (company)  Good funds alone don't tell the whole story.

2. is this in a 403b or 457B account?  Are you a teacher?

3. Are you dealing with an advisor?  Who does the advisor work for. Have you already had contact?

4. Can you provide us with your district's provide'r list?   (choice of investment companies). This should be available on your teacher webpages or by asking a central office person in charge.

5. Do you have the fees involved ?   Are they stated anywhere ?

 

All  this information is important to help you. Please provide as much info as possible. 

 

Tony

 

 

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Welcome, Costantino,

Yes, this looks very overwhelming. It looks like you have Target Date Mutual Funds available (under Asset Allocation). This can be a pretty simple, straightforward way to invest. Here's an investing primer which includes mention of target date funds: https://403bwise.org/education/investment 

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