Fidelity 401K 계좌 가지고 있는데..

마모신입 2015.03.01 05:28:53

회사통해 401K 하고 있구요. 회사 매칭 6% 받고 현재 19만불 정도 돈이 들어있습니다.

@히든 고수님 과 @개골개골 님  글 읽으면서 제가 가지고 있는 현재 펀드 수수료를 보니 0.8%하는 펀드도 있네요..


투자 초이스가 많지 않아서요..

체크 된 펀드가 현재 제가 가지고 있는 거구.. 그땐 무슨 생각으로 저렇게 얼로케이션 했나 싶을 정도입니다 T T


투자 상품 고를때 아래 초이스 말고 다른 브로커의 상품을 고를 수 있나요? 기전 게시판 글에 어떤 분이 회사 401k 펀드 초이스 말고 다른 브로커 상품도 살 수 있다고 쓰신 걸 봐서요..얼핏 봐서 제대로 이해 못 했던 거라..

여쭤봅니다.

저도 사과좋아님 처럼 S$P 500 인가 하는 상품에 투자해 보고 싶는데 선택지에 없네요..


그리고 2030년에 60살이 되면 Vanguard target 2030에다 투자를 하는게 맞을까요?. 15년 밖에 안 남았네요.. 그 안에 충분한 노후자금이 만들어지련지..에휴..

지금은 Target 2035, 2045로 돼 있어서요..

배우자 IRA나 제 개인적 IRA는 하나도 없습니다.

이 부분도 궁금합니다. 뱅가드 직접 연락해 그쪽 상품을 사야 되는지..

그렇담 어떤 펀드를 고르면 좋을지도 추천 부탁드려요.. 직접적인 상품명도 환영합니다.



Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees
                                       --                                                   
Investments you currently own FID CONTRAFUND POOL 01/17/2014 Stock InvestmentsLarge Cap 0.43% No additional fees apply.
Investments you currently own FID EQ IN UNITIZED K 11/23/2014 Stock InvestmentsLarge Cap 0.35% No additional fees apply.
FID GROWTH CO POOL 12/13/2013 Stock InvestmentsLarge Cap 0.43% No additional fees apply.
Investments you currently ownSPTN 500 INDEX INST (FXSIX) 02/17/1988 Stock InvestmentsLarge Cap 0.05% No additional fees apply.
Investments you currently own TRP GRTH STK TRUST B 03/31/2006 Stock InvestmentsLarge Cap 0.45% No additional fees apply.
Investments you currently own VANG MD CP IDX IS PL (VMCPX) 05/21/1998 Stock InvestmentsMid-Cap 0.06% No additional fees apply.
Investments you currently own EAGLE SM CAP GRTH R6 (HSRUX) 05/07/1993 Stock InvestmentsSmall Cap 0.68% No additional fees apply.
Investments you currently own SILVERCREST SC VAL 12/12/2013 Stock InvestmentsSmall Cap 0.8% No additional fees apply.
Investments you currently own VANG SM CP IDX IS PL (VSCPX) 10/03/1960 Stock InvestmentsSmall Cap 0.06% No additional fees apply.
AF EUROPAC GROWTH R6 (RERGX) 04/16/1984 Stock InvestmentsInternational 0.49% No additional fees apply.
MSIF INTL EQUITY IS (MIQPX) 08/04/1989 Stock InvestmentsInternational 0.91% Short term trading fees of 2% for fee eligible shares held less than 30 days.
VANGUARD TARGET 2010 06/22/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2015 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2020 06/22/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2025 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2030 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
Investments you currently own VANGUARD TARGET 2035 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2040 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
Investments you currently own VANGUARD TARGET 2045 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2050 06/28/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2055 08/31/2010 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET 2060 03/01/2012 Blended Fund Investments*N/A 0.11% No additional fees apply.
VANGUARD TARGET INC 06/22/2007 Blended Fund Investments*N/A 0.11% No additional fees apply.
STABLE VALUE FUND 09/30/2006 Bond InvestmentsStable Value 0.1279% No additional fees apply.
Investments you currently own PYR CORE PLUS CP 06/30/2004 Bond InvestmentsN/A 0.28% No additional fees apply.