How To Choose A Good Retirement Investment Option

How to choose a good retirement investment option

How to choose a good retirement investment option

I am starting my first 401(k) which will have 9% of my salary invested each month. I have the option of doing a Roth 401(k) or a traditional 401(k) with a range of investment options.

I think the traditional 401(k) with investment options is good, but there are 18 different options.

How to choose the best retirement account for you.

How can I choose which one is low-fee, low-risk, and a decent return? These are my options, which, to a first-time 401(k)-holder/investor, are QUITE overwhelming:

Target Date Funds: Vanguard Target Retirement 2055 Fund, Vanguard Target Retirement 2050 Fund, Vanguard Target Retirement 2045 Fund, Vanguard Target Retirement 2040 Fund, Vanguard Target Retirement 2035 Fund, Vanguard Target Retirement 2030 Fund, Vanguard Target Retirement 2025 Fund, Vanguard Target Retirement 2020 Fund, Vanguard Target Retirement 2015 Fund, Vanguard Target Retirement 2010 Fund, Vanguard Retirement Income Fund

Fixed: Nationwide Bank Account, ING Fixed Account

Bond / Core Fixed Income: Calvert Group - Income Fund, Vanguard Total Bond Market Index - Inst.

Balanced: Fidelity Investments - Puritan Fund

Large Cap: Allianz NFJ Large Cap Value Instl, Fidelity Investments - Contrafund, Fidelity Investments - Over-the-Counter (OTC) Portfolio, Vanguard Institutional Index Fund

Mid Cap: Columbia Acorn Z, Columbia Mid Cap Value Z

Small Cap: Brown Capital Management Small Company Fund, Invesco Van Kampen Small Cap Value Fund Y

International: DFA International Value Fund, Fidelity Investments - International Discovery Fund

Brokerage: TD Ameritrade SDB account

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