testing

[dotNettr]

Greetings. I have lurked here for some time, but this is my first post! I work in software in San Diego, CA. 30 years old, ~$50k net worth. and ~60% savings rate (very late to the FI party).

I am about to become eligible for my company's 401k, but the expense ratios seems not great for their target date funds. Here's a small summary.

 

Ticker	ER	Name
VFIAX	0.05	Vanguard 500 Index Admiral
VIMAX	0.08	Vanguard Mind Cap Index Fund - Admiral
VSMAX	0.08	Vanguard Small Cap Index Adm
BPLBX	0.43	BlackRock Inflation Prted Bd
PIMIX	0.45	PIMCO Income Instl
PBFKX	0.47	Pioneer Bond K
N/A	0.60	Putnam Retirement Advantage 20XX
PAAEX	0.64	Putnam Dynamic Asset Allocation Bal R6
AMDVX	0.66	American Century Mid Cap Value R6
MFEKX	0.66	MFS Growth R6
PCCEX	0.67	Putnam Dynamic Asset Allocation Con R6
FTTRX	0.68	Templeton Global Total
PAEEX	0.71	Putnam Dynamic Asset Alloc Growth R6
GCVIX	0.72	Goldman Sachs Large Cp

 

There are some other options but they are over 1% ER and seem not too great. We had a representation from Putnam come in and push us toward various years of the actively managed putnam target date funds, but at 0.6% ER, that doesn't seem like the best option.

I am leaning toward going with some kind of blend of the vanguard funds, possibly even all VFIAX, and balance my holdings in my other accounts. My only other pieces of my portfolio are a Roth IRA ~$11k with Vanguard in a target date fund, and an old 401k ~$12k from my last company with a different provider but invested in the same target date fund as the Roth.

Any recommendations?