제 회사 401k 오늘 확인해 보니 한달만에 만불이 떨어졌네요. ㅠㅠㅠㅠ
S&P 500이 fee가 가장 저렴해서 100프로 몰빵했거든요.
다른건 밑에 보시는 것처럼 fee가 많이 비싸요.
혹시 이제라도 본드나 다른 걸로 옮겨야 될까요?
은퇴는 15년-20년 후쯤이고 traditional에 넣고 있어요.
제발 조언 부탁 드립니다...
07/31/2018 | Annualized Total Returns 06/30/2018 | Expense Ratio | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Fund Name | Incept. Date |
Unit Value |
1 Mo. % |
3 Mos. % |
YTD % |
1 Yr. % |
3 Yrs. % |
5 Yrs. % |
10 Yrs. % |
Incept % |
Gross % |
Net* % |
Short Bonds/Stable/MMkt | ||||||||||||
NYL Anchor (65) | 01/95 | 1.0000 | 0.17 | 0.48 | 1.05 | 1.69 | 1.54 | 1.53 | 2.01 | 3.75 | 0.65 | 0.65 |
Interm./Long-Term Bonds | ||||||||||||
Columbia Quality Income Adv | 02/02 | 5.3000 | -0.37 | 0.62 | -0.40 | 0.82 | 1.83 | 2.52 | 4.53 | 2.03 | 0.66 | 0.66 |
Guggenheim Total Return Bond P | 11/11 | 26.7800 | -0.10 | 0.61 | -0.00 | 2.34 | 4.01 | 4.54 | N/A | 3.57 | 0.93 | 0.83 |
PIMCO Income A | 03/07 | 12.0000 | 0.51 | 0.45 | -0.39 | 2.08 | 4.91 | 5.50 | 8.82 | 8.08 | 1.14 | 1.14 |
Goldman Sachs US Mortgages A | 11/03 | 10.1200 | -0.18 | 0.41 | -1.28 | -0.59 | 0.90 | 1.89 | 3.45 | 3.42 | 0.87 | 0.80 |
Aggressive Bonds | ||||||||||||
Eaton Vance High Income Opportunities A | 08/86 | 4.4200 | 1.14 | 1.14 | 0.65 | 1.49 | 4.42 | 5.36 | 6.86 | 6.51 | 0.87 | 0.87 |
Large-Cap Stocks | ||||||||||||
Principal Large Cap S&P 500 Index R5 | 12/00 | 18.8500 | 3.63 | 6.74 | 6.20 | 13.90 | 11.47 | 12.95 | 9.70 | 5.69 | 0.41 | 0.41 |
Small/Mid-Cap Stocks | ||||||||||||
Columbia Small Cap Index A | 10/96 | 27.3700 | 3.13 | 10.93 | 12.51 | 19.93 | 13.28 | 14.04 | 11.79 | 9.87 | 0.45 | 0.45 |
Fidelity Real Estate Investment | 11/86 | 42.4800 | 0.50 | 8.14 | 2.25 | 3.83 | 8.57 | 8.63 | 8.28 | 10.15 | 0.76 | 0.76 |
International Stocks | ||||||||||||
American Funds SMALLCAP World R4 | 04/90 | 58.4300 | 1.04 | 3.93 | 5.55 | 15.56 | 8.76 | 11.42 | 8.39 | 11.28 | 1.04 | 1.04 |
DFA Global Equity R2 | 12/03 | 23.9400 | 2.88 | 3.56 | 2.88 | 11.72 | 8.87 | 10.30 | 7.65 | 8.16 | 0.82 | 0.55 |
MFS International Value R3 | 10/95 | 43.4700 | 1.83 | 2.31 | 1.38 | 8.72 | 9.71 | 9.91 | 7.36 | 9.55 | 1.01 | 1.01 |
American Funds New World R4 | 06/99 | 66.0600 | 2.09 | -1.30 | -0.69 | 10.08 | 7.08 | 6.34 | 3.57 | 11.22 | 0.98 | 0.98 |
Multi-Asset/Other | ||||||||||||
Columbia Balanced Adv | 10/91 | 42.1300 | 2.78 | 4.22 | 1.68 | 5.32 | 6.36 | 8.56 | 8.28 | 9.72 | 0.71 | 0.71 |
American Funds 2010 Trgt Date Retire R4 | 02/07 | 10.9700 | 1.29 | 1.86 | 0.73 | 4.14 | 4.92 | 5.82 | 5.20 | 4.49 | 0.68 | 0.68 |
American Funds 2015 Trgt Date Retire R4 | 02/07 | 11.6900 | 1.48 | 2.01 | 1.04 | 4.64 | 5.22 | 6.38 | 5.50 | 4.77 | 0.67 | 0.67 |
American Funds 2020 Trgt Date Retire R4 | 02/07 | 12.7400 | 1.51 | 2.25 | 1.59 | 5.92 | 5.85 | 7.22 | 5.96 | 5.09 | 0.69 | 0.69 |
American Funds 2025 Trgt Date Retire R4 | 02/07 | 13.7100 | 1.63 | 2.39 | 2.24 | 7.58 | 6.73 | 8.35 | 6.78 | 5.76 | 0.71 | 0.71 |
American Funds 2030 Trgt Date Retire R4 | 02/07 | 14.8200 | 1.86 | 2.77 | 3.06 | 9.62 | 7.78 | 9.49 | 7.49 | 6.39 | 0.73 | 0.73 |
American Funds 2035 Trgt Date Retire R4 | 02/07 | 15.3800 | 2.06 | 3.22 | 3.92 | 11.55 | 8.80 | 10.23 | 7.82 | 6.69 | 0.74 | 0.74 |
American Funds 2040 Trgt Date Retire R4 | 02/07 | 15.8000 | 2.13 | 3.34 | 4.22 | 12.29 | 9.17 | 10.54 | 8.00 | 6.84 | 0.75 | 0.75 |
American Funds 2045 Trgt Date Retire R4 | 02/07 | 16.0700 | 2.16 | 3.41 | 4.42 | 12.64 | 9.39 | 10.68 | 8.06 | 6.90 | 0.76 | 0.76 |
American Funds 2050 Trgt Date Retire R4 | 02/07 | 15.7500 | 2.21 | 3.48 | 4.58 | 12.91 | 9.50 | 10.76 | 8.09 | 6.93 | 0.76 | 0.76 |
American Funds 2055 Trgt Date Retire R4 | 02/10 | 19.6200 | 2.19 | 3.54 | 4.58 | 12.93 | 9.53 | 10.75 | N/A | 10.88 | 0.76 | 0.76 |
American Funds 2060 Trgt Date Retire R4 | 03/15 | 12.9300 | 2.21 | 3.52 | 4.53 | 12.90 | 9.51 | N/A | N/A | 8.99 | 0.83 | 0.79 |