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Tuesday, November 8, 2016

401k Fund Check and Rebalancing

I received an email about my 401k plan at Fidelity. All of you who still have your 401k there should also have gotten it. Did you look at it?

The interesting stuff starts on page 7. Intel's Global Diversified Fun has returned -0.64%, 5.20%, and 3.63% over 1, 2, and 10 years. In comparison, MSCI World returned -0.32%, 8.19%, and 5.56%. It also has the expense ratios.

The document has info on all the non-standard funds in Intel's plans and compares them against publically available benchmarks and other funds. Staying at Fidelity means you have access to a low-cost account and lots of choices. You need to look carefully to see if you have made good choices. The Intel funds are not necessarily the best ones. A lawsuit was filed last year (http://www.oregonlive.com/silicon-forest/index.ssf/2015/11/intel_sued_over_risky_strategy.html) about this.

It's getting towards the end of the year. Now is as good a time as any to look at your 401k and rebalance as needed.


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