[Stephanie]

Examining my husbands 401k with TRowe Price and the returns just seem bad.  Most of his funds are locked into Target Retirement fund 2045 (TRRKX).

• Expense ratio 0.62% seems high!
• Having hard time finding exactly what funds are included in TRRKX.
• Year to Date return 9.69%; since inception 4.49%: Both seem very low to me.

Strongly considering moving entire balance to something else, but limited options. One option is Vanguard 500 Index Admiral (VFIAX).  Is this the right move?  TY for your thoughts!

[Matty]

T. Rowe Price Retirement 2045 Fund (TRRKX) is a target-date mutual fund that invests in a diversified portfolio of other T. Rowe Price stock and bond mutual funds. As a fund of funds, it doesn’t directly hold individual stocks but rather invests in various other funds to achieve its asset allocation goals.

The fund’s holdings are spread across different asset classes and sectors, including:

1. Communication: 5.99%
2. Basic Materials: 5.54%
3. Consumer Defensive: 5.35%
4. Real Estate: 4.24%
5. Utilities: 2.04%

[Judith]

I switched my 401K contributions from a 2045 Target Date Fund to VFIAX (admiral shares) in May. No regrets.

[Andy]

I would move it to a S&P 500 fund. You should be up 18% YTD.

[Karl]

No such thing as “locked into”, especially in a 401k, it’s easy to change course!
…and then stay the course.

[Author]

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