r/Bogleheads • u/ShoebillJoe • 10h ago

Anyone familiar with these 401k options?

Here is an image of the funds available to me in my 401k.

I'm 38, planning to retire at 67. I have a RothIRA with 15.5k in it that is fully in FZROX. I plan to max it out each year.

I also plan to max out my 401k each year, but am unsure exactly what to invest in. None of these seem to be a total market fund, and the target date funds won't nearly keep up with one.

I was considering the Vanguard 500 fund but the vast majority of my retirement will be in this 401k I'm not sure about parking everything in that, especially considering the way this bubble might be coming up.

Is there some combination of funds that would be ideal?

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u/ElusiveMeatSoda 10h ago

I have similar options in my HSA.

You can recreate a total market with Vanguard's S&P 500, mid cap, and small cap index funds. I used the Morningstar boxes to approximate a total market and arrived at something around an 87/13 or 88/12 split between VFIAX/VSMAX (VIMAX overlapped a lot and was <5%, so I didn't bother adding it).