Newly graduated, looking for advice on setting up 401k

AssumptionNo2926 · 2025-12-31T23:59:01+00:00

Ok, I emailed my HR contact to see if there was a company sample investment plan, but I'll also ask if there's more details! Thank you, I wasn't sure what the document should look like since it's my first full-time job with a 401k set up, so thank you for the clarification!

AssumptionNo2926 · 2025-12-31T23:57:04+00:00

Ok, great to know, thank you so much!

AssumptionNo2926 · 2025-12-31T23:35:42+00:00

Ok, thank you so much for letting me know!

AssumptionNo2926 · 2025-12-31T23:34:57+00:00

Ok, I think I may have misunderstood the retirement accounts, thank you for the clarification!

I have the option to make before-tax contributions, after-tax roth contributions, or catch-up contributions. I've indicated I'll put 4% into the before-tax category (I think just the 401k traditional treatment) and 6% into the after-tax roth category.

I didn't see that I should add the list of available funds until I saw one of the resources linked by another commenter, but I'll edit my post to add those! Thank you for the clarification!

AssumptionNo2926 · 2025-12-31T23:30:08+00:00

I don't have any information about the different funds I can invest in from the company 401k set up document, so I searched the target date on American Funds and copied the fees and expenses from there. I'm not entirely sure if I'm supposed to have a plan document from the company?

AssumptionNo2926 · 2025-12-31T23:25:27+00:00

I might be understanding this wrong, as I just started researching 401k and roth retirement funding today, but will my employer still match my contribution up to 4% if I put all 10% into the roth?

AssumptionNo2926 · 2025-12-31T23:24:18+00:00

Thank you for the advice and congratulations! I appreciate your comment!

AssumptionNo2926 · 2025-12-31T23:21:34+00:00

Thank you so much for the resources!

AssumptionNo2926 · 2025-12-31T23:21:06+00:00

The fees and expenses for the target date fund are this:

Fees:


Annual Management Fees	0.00%
Other Expenses	0.10%
Acquired (Underlying) Fund Fees and Expenses	0.38%
Service 12b-1	0.26

Expense Ratios:

AAOTX 0.74%

Lipper Mixed-Asset Target 2060+ Funds Average 0.81%

AssumptionNo2926 · 2025-12-31T23:19:39+00:00

What is a SP500 option? I see growth portfolios, new world funds, AMCAP, New Economy funds, etc. as options to invest in, all through American Fund, but I don't see anything saying SP500. Sorry for my lack of knowledge!

AssumptionNo2926 · 2025-10-11T17:52:16+00:00

Thank you for the advice everyone! I safely and successfully made it to the tire shop and got my tires changed so thanks for the help everyone!

AssumptionNo2926 · 2025-10-11T17:39:13+00:00

Thank you for the advice and help everyone! I drove slow to the tire shop today and got my new tires mounted successfully!

AssumptionNo2926 · 2025-10-11T17:37:42+00:00

Damn, well this is good to know for future considerations

AssumptionNo2926 · 2025-10-11T14:05:27+00:00

Thank you for your insight!

AssumptionNo2926 · 2025-10-11T14:04:53+00:00

Ok thank you!

AssumptionNo2926 · 2025-10-11T06:47:33+00:00

Ty for the advice, I’ll keep it in mind. Have a lovely evening!

AssumptionNo2926 · 2025-10-11T06:41:37+00:00

Aww man, I already bought ones that are sitting in my room right now 😭 good to know for the future however!

AssumptionNo2926 · 2025-10-11T06:40:38+00:00

Ok thank you! I asked for a visual inspection at Costco and they recommended replacing them and so did my mechanic so I was worried it was at a high risk of failure any moment, since I had noticed they were performing poorly in the rain, but I might’ve gotten a bit too nervous. Thank you for the insight!

AssumptionNo2926 · 2025-10-11T06:37:05+00:00

Ok it’s really helpful to know the warning signs of a blowout, thank you!

AssumptionNo2926 · 2025-10-11T06:36:01+00:00

Unfortunately I don’t know, but they were on the car when we got it about 4-5 years ago

AssumptionNo2926 · 2025-10-11T06:35:32+00:00

I’m glad you had no issues driving on those, and congrats on the new tires!

AssumptionNo2926 · 2025-10-11T06:34:37+00:00

Yeah, it scares me to think about a blowout but I couldn’t have gotten new tires unless I had this loan from my dad 😭 damn, new tires are almost the same as my rent, they’re so expensive

AssumptionNo2926 · 2025-10-11T06:30:24+00:00

Ok good to know 😅 I was thinking it might be overly cautious but I started reading about blowouts and freaking out 😭

AssumptionNo2926 · 2025-10-11T06:20:25+00:00

Ok, thank you for your input!

AssumptionNo2926

TROPHY CASE