I (36 y/o) have been in a traditional 401k with Fidelity for the last 6 years, and I have been 100% investing in the 2050 TG Fund (FHAPX)
I notice the expense ration is .49% which is quite high. I've also noticed that sites like Morningstar give the fund a 3 stars
I noticed that my plan lets me pick some ETFs - it lets me pick FXAIX which is apparently the equivalent to VOO - sites are saying this is a 5 star fund, and expense ratio of 0.015%.
For international, I see they have FSSGX which is close to VXUS, which I've seen as a popular fund.
My plan/idea is to go all in to FXAIX and FSSGX for now, and maybe in 10 years rebalance it.
Any feedback on this idea would be appreciated
original posted by Bannybear1 to r/personalfinance on Sun, 07 Apr 2024 15:55:38 GMT.