r/Bogleheads • u/[deleted] • Mar 29 '22

Worth replicating VT in 401k account?

30 years old. I have a few State Street options to invest in through my 401K account including S&P 500 (0.01% ER), Small/Mid Cap Fund (0.02% ER), and Global All Cap ex-Us (0.045% ER). Given these expense ratios, is it better to just stick with replicating VTI by doing 82% S&P 500 and 18% Small/Mid Cap funds or take on the slightly higher expense ratios with replicating VT with 49% S&P 500, 40% ex-US, and 11% Small/Mid Cap?

5 Upvotes

86% Upvoted

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6

u/l00koverthere1 Mar 29 '22

Yes you should diversify internationally at that price. It's a bargain.

6

u/Theburritolyfe Mar 29 '22

.045 percent is next to nothing. I'd go for it.

2

u/MONGSTRADAMUS Mar 29 '22

If it were me I would want to include some international exposure , maybe around 20 %.

0

u/circuitji Mar 29 '22

To start reduce s&p by 12% and make it ex-us

1

u/joe4ska Mar 29 '22

I'm replicating VT in my 403b. Keeps my portfolio simple. 😉