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Started By
Message
Limited 401k options: Opinions on RFBFX
Posted on 1/8/26 at 9:12 am
Posted on 1/8/26 at 9:12 am
My 401k is through Principal. I haven't been at this job overly long so the account is pretty much in growth mode for about 10 the next 10 years. I was evaluating all the fund options available to see their performance over the last year and it seems these American Funds performed well.
I have typically held a blend of different funds but I'm getting lazy and thought this might be an opportunity to try a single retirement date based fund. This specific fund is for 2070 retirement and the performance last year was pretty good considering its balanced asset fund at 20.18%.
I have access to all the American target date funds from 2010 to 2070 (by 5 year increments). There is also an R6 fund (RLBGX) that I know nothing about.
Anything to know about American funds that make them something to avoid?
I have typically held a blend of different funds but I'm getting lazy and thought this might be an opportunity to try a single retirement date based fund. This specific fund is for 2070 retirement and the performance last year was pretty good considering its balanced asset fund at 20.18%.
I have access to all the American target date funds from 2010 to 2070 (by 5 year increments). There is also an R6 fund (RLBGX) that I know nothing about.
Anything to know about American funds that make them something to avoid?
4
Posted on 1/8/26 at 9:55 am to notsince98
My personal knock on target funds is that as you get closer to your target date they are more conservative then I hope to be in my investment choices.
My folks are 26 years into their retirements.
I am looking at between 2028 and 2030 for my retirement date.
Looking at the American 2030 fund - AAETX
1 yr return 8.75
5 yr return 5.68
45% is in Bonds
You might want to look at what the portfolio holdings and returns will look like near your forecased retirement date. 2070 may or may not be when you plan to retire, but if it is, I would anticipate your holdings will look a lot like AAETX does today.
If you really like the targeted date funds from a simplicity standpoint and wish to be more aggresively invested you could select a target date account that is past your forecaseted retirement I suppose.
My folks are 26 years into their retirements.
I am looking at between 2028 and 2030 for my retirement date.
Looking at the American 2030 fund - AAETX
1 yr return 8.75
5 yr return 5.68
45% is in Bonds
You might want to look at what the portfolio holdings and returns will look like near your forecased retirement date. 2070 may or may not be when you plan to retire, but if it is, I would anticipate your holdings will look a lot like AAETX does today.
If you really like the targeted date funds from a simplicity standpoint and wish to be more aggresively invested you could select a target date account that is past your forecaseted retirement I suppose.
Posted on 1/8/26 at 10:17 am to agilitydawg
My retirement date will be in about 10 or 15 years. I was picking the furthest out one available to reduce the bond holdings as much as possible for now.
Posted on 1/8/26 at 12:26 pm to notsince98
Does your 401K have an automatic rebalance feature? You might just keep your current investments and just automatically rebalance and achieve a similar result to the Target Date funds, with one important advantage.
Any time you sell shares from a Target Date fund you are selling some stocks and some bonds. So if you needed some money from your account to pay for a new car or roof or AC, you'd be selling some of your stock holdings to do that. If you allocate yourself, you can decide where the money comes from.
Also, check and see if your plan allows in-service rollovers. Some do.
Any time you sell shares from a Target Date fund you are selling some stocks and some bonds. So if you needed some money from your account to pay for a new car or roof or AC, you'd be selling some of your stock holdings to do that. If you allocate yourself, you can decide where the money comes from.
Also, check and see if your plan allows in-service rollovers. Some do.
This post was edited on 1/8/26 at 12:28 pm
Posted on 1/8/26 at 12:50 pm to CharlesUFarley
No, it does not have auto rebalance. This fund has performed better than my current portfolio so I'm not sure I can find any advantages to keep doing what I was doing.
How does your example of buying a car in retirement impact things? What is the complication with selling off some of the target fund and then distributing the money to myself? This might be a silly question because my money wont be in the target fund when i'm actually in retirement.
How does your example of buying a car in retirement impact things? What is the complication with selling off some of the target fund and then distributing the money to myself? This might be a silly question because my money wont be in the target fund when i'm actually in retirement.
Posted on 1/8/26 at 4:08 pm to notsince98
What are all of your options? Do you have Vanguard Institutional Index Fund (VINIX)?
Posted on 1/8/26 at 5:53 pm to AaronDeTiger
I will try to post them later but I don’t think I have that vanguard fund as an option.
Posted on 1/9/26 at 8:40 am to AaronDeTiger
Sorry this is hard to read:
Vanguard Federal Money Market Investor Fund VMFXX
BNY Mellon Core Plus Y Fund DCPYX
Fidelity US Bond Index Fund FXNAX
PIMCO Income Institutional Fund PIMIX
American Funds American Balanced R6 Fund RLBGX
American Funds 2010 Target Date Retirement Income R6 Fund RFTTX
American Funds 2015 Target Date Retirement Income R6 Fund RFJTX
American Funds 2020 Target Date Retirement Income R6 Fund RRCTX
American Funds 2025 Target Date Retirement Income R6 Fund RFDTX
American Funds 2030 Target Date Retirement R6 Fund RFETX
American Funds 2035 Target Date Retirement R6 Fund RFFTX
American Funds 2040 Target Date Retirement R6 Fund RFGTX
American Funds 2045 Target Date Retirement R6 Fund RFHTX
American Funds 2050 Target Date Retirement R6 Fund RFITX
American Funds 2055 Target Date Retirement R6 Fund RFKTX
American Funds 2060 Target Date Retirement R6 Fund RFUTX
American Funds 2065 Target Date Retirement R6 Fund RFVTX
American Funds 2070 Target Date Retirement R6 Fund RFBFX
AB US Large Cap Growth CIT W Series Class L --
Fidelity 500 Index Fund FXAIX
JP Morgan Equity Income R6 Fund OIEJX
American Beacon Small Cap Value R5 Fund AVFIX
Fidelity Mid Cap Index Fund FSMDX
Fidelity Small Cap Index Fund FSSNX
Invesco Discovery R6 Fund [1], [14]," ODIIX
John Hancock Disciplined Value Mid Cap R6 Fund JVMRX
Principal Mid-Cap Equity Fund Tier IV [16]," --
American Funds EUPAC R6 Fund [3], [14]," RERGX
Fidelity International Index Fund [2], [3], [14], [29]," FSPSX
Vanguard Federal Money Market Investor Fund VMFXX
BNY Mellon Core Plus Y Fund DCPYX
Fidelity US Bond Index Fund FXNAX
PIMCO Income Institutional Fund PIMIX
American Funds American Balanced R6 Fund RLBGX
American Funds 2010 Target Date Retirement Income R6 Fund RFTTX
American Funds 2015 Target Date Retirement Income R6 Fund RFJTX
American Funds 2020 Target Date Retirement Income R6 Fund RRCTX
American Funds 2025 Target Date Retirement Income R6 Fund RFDTX
American Funds 2030 Target Date Retirement R6 Fund RFETX
American Funds 2035 Target Date Retirement R6 Fund RFFTX
American Funds 2040 Target Date Retirement R6 Fund RFGTX
American Funds 2045 Target Date Retirement R6 Fund RFHTX
American Funds 2050 Target Date Retirement R6 Fund RFITX
American Funds 2055 Target Date Retirement R6 Fund RFKTX
American Funds 2060 Target Date Retirement R6 Fund RFUTX
American Funds 2065 Target Date Retirement R6 Fund RFVTX
American Funds 2070 Target Date Retirement R6 Fund RFBFX
AB US Large Cap Growth CIT W Series Class L --
Fidelity 500 Index Fund FXAIX
JP Morgan Equity Income R6 Fund OIEJX
American Beacon Small Cap Value R5 Fund AVFIX
Fidelity Mid Cap Index Fund FSMDX
Fidelity Small Cap Index Fund FSSNX
Invesco Discovery R6 Fund [1], [14]," ODIIX
John Hancock Disciplined Value Mid Cap R6 Fund JVMRX
Principal Mid-Cap Equity Fund Tier IV [16]," --
American Funds EUPAC R6 Fund [3], [14]," RERGX
Fidelity International Index Fund [2], [3], [14], [29]," FSPSX
Posted on 1/9/26 at 9:45 am to notsince98
quote:
What is the complication with selling off some of the target fund and then distributing the money to myself?
Assumption: you are over 59.5 and want to buy a $50,000 car. You want to get the money for it out of your 401K, but the Stock market just pulled back 10% last month. Everything in your 401K is in a target date fund.
You will need to sell some of your target date fun to generate the cash. When you do, you will be selling some of stock holdings and some bond holdings, cementing the 10% loss in your stock holdings that were sold.
It's easy to avoid by just keeping some money allocated to either bonds or cash, but then you have less working in the stock market.
If you choose your own allocation you can choose where to take the $50,000. If you use a target fund it comes out of all assets inside the fund. It may be a small deal to you, but small details, like expense ratios, make a big difference over time.
That said, the American Funds target date funds are one of the best of that type. If you are a Fire and Forget type guy, they will work pretty good. YMMV.
Posted on 1/9/26 at 10:54 am to notsince98
Set it and forget it allocation until you get closer to retirement and start adding bonds:
65% Fidelity 500 Index (FXAIX)
This fund tracks the S&P 500 Index
10% Fidelity Mid Cap Index (FSMDX)
10% Fidelity Small Cap Index (FSSNX)
15% American Funds EUPAC (RERGX)
Actively managed, focuses on high growth potential international stock
65% Fidelity 500 Index (FXAIX)
This fund tracks the S&P 500 Index
10% Fidelity Mid Cap Index (FSMDX)
10% Fidelity Small Cap Index (FSSNX)
15% American Funds EUPAC (RERGX)
Actively managed, focuses on high growth potential international stock
This post was edited on 1/9/26 at 12:47 pm
Posted on 1/9/26 at 3:47 pm to notsince98
Mine has
FXAIX
Vscix
Vmcix
Rlbgx
And another one.
I’m 100% in FXAIX. Reason is because I have
Roth
Schg 40%
Vgt 30%
Avuv 20%
Smh 10%
Taxable
Vug 50%
QQQM 30%
Efg 20%
FXAIX
Vscix
Vmcix
Rlbgx
And another one.
I’m 100% in FXAIX. Reason is because I have
Roth
Schg 40%
Vgt 30%
Avuv 20%
Smh 10%
Taxable
Vug 50%
QQQM 30%
Efg 20%
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