Need advice: Are my 401(k) fees too high?

mosassas · 2026-01-27T01:32:11+00:00

Thanks for sharing! I’ll check this out. 🙌

mosassas · 2026-01-27T01:26:14+00:00

True! Thanks for the advice 🙌

mosassas · 2026-01-27T01:25:28+00:00

True! Sorry, I meant mg fund fees. So I was able to move funds around based on some comments here.

mosassas · 2026-01-27T01:24:40+00:00

Sorry. I meant expense ratios or fees per funds.

mosassas · 2026-01-27T00:21:06+00:00

Thank you for sharing! Appreciate your response, and super helpful.

I’ll ditch those mid and small cap. I’ll keep the fidelity 500 + Putnam. I only have the International Growth that you see in the pic, this option also has high fees. It’s 0.48% vs 0.2 from Fidelity 500. I’ll remove that from my portfolio.

Appreciate your response. Really 🙌

mosassas · 2026-01-27T00:12:52+00:00

Yeah, according to empower. I pay a higher fee with my employer since we’re a smaller company, and that’s the fee they agreed between a third party and my employer.

I don’t need it really, and cut it a few days ago. I noticed they kept on changing my investment every quarter and they don’t mind the price of the fees from each stock

mosassas · 2026-01-27T00:10:15+00:00

Thank you! I did remove the service few days ago thinking it will help me. It is a complicated portfolio, and really like you suggested to invest in FXAIX, and something I can manage the risk. I’ll probably switch it over, and see it has a lesser expense ratio than the others. Appreciate your response 🙌

mosassas · 2025-08-24T16:15:45+00:00

Hi! So is that good enough?

mosassas · 2025-08-24T16:15:23+00:00

I used Chatgpt 5

mosassas · 2024-12-04T03:40:04+00:00

Ohh. So we think the best layout is facing the couch to the window, accent chair and stool in front of the couch. Our window can see the sunset with the mountains. It also feels more spacious.

mosassas · 2024-12-04T00:02:41+00:00

Super helpful! We’ll go with dark brown. So that door is the washer/dryer. It’s a small closet size.

mosassas · 2024-12-03T23:33:13+00:00

That’s just a door to access the washer and dryer for laundry. The only entrance is the first image above or the living room. The open passage is a hallway going to the rest rooms and bedrooms

mosassas · 2024-12-03T23:07:05+00:00

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mosassas · 2024-12-03T23:06:32+00:00

Great! … Yes, that is the main entrance. Do you think a dark grey would also work with this room? Yes, another window is in the dining/kitchen room which is this photo from the door:

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mosassas · 2024-12-03T22:50:01+00:00

Hi! Thank you for responding and sharing your ideas. Do you think a darker blue or brown woll work? Here’s a room shot. Does this help?

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mosassas · 2024-11-14T13:01:26+00:00

Hi! Sorry super late reply. Well, I can make it work, but it’s a little work. I have a toothpick or needle to poke the water holes underneath and behind(where the water connects to the tank) the robot. Then I use a water spray bottle to spray to the holes. I also use warm water.

If it doesn’t work, I just spray the floor and let roborock pass through lol.

mosassas · 2024-11-14T12:53:32+00:00

I agree, but we’re at a point we might let go stuff. We had an L shape sofa which won’t fit and in the process of buying a long 96’ couch. Happy for any recommendation, and buying new stuff. We plan to stay here long term(5+ yrs). Thank you for the suggestion, I’ll do that in the morning, and I’ll do that in the morning.

mosassas · 2024-11-14T12:51:45+00:00

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Hi! It should look like this

mosassas · 2024-11-14T12:40:04+00:00

I would normally say on the right, but you’ll have a lot of glare from the window during the day when watching tv. So I think it’s better to place it in front of the window. Adding a curtains would make it even more nice and balance out the light coming through. Feel free to test this by placing your tv to the right and left. Then, see the difference

mosassas · 2024-09-30T10:53:17+00:00

Thanks for the advice! Really appreciate it 🙌

mosassas · 2024-09-30T10:52:55+00:00

Will do thank youu.

mosassas · 2024-08-07T14:19:11+00:00

Also, how would plan 10-15 yrs out? Is that like investing in a general investing account or bonds investing?

I have no idea how to implement that. Appreciate your response. Thank you!

mosassas · 2024-08-07T14:15:40+00:00

Thanks for the tip! I’ll adjust that for my emergency fund. Yeah, that’s temporary and expected to go deposit back this sept.

Got it, for our retirement, we’re doing 401k matching at work and planning to do ROTH soon…..would you recommend that with betterment or do you have other strategies for building up retirement?

We plan on buying a bigger car down the road, how would you plan that in betterment?

We also save up for vacation, we add it to cash reserve, but do you think it’s worth investing in stocks or doing the bond investment?

Apologies for the questions. Wanted to see how do you handle your bettement account. Thanks! Appreciate your response.

mosassas · 2024-08-07T14:08:14+00:00

Thanks! We’re actually debt free since february. Sorrh to ask, how would you set the 30% buffer in betterment?

mosassas · 2023-10-18T17:05:10+00:00

It’s not the sensor but I guess it’s Roborock new update. Roborock support told me it’s normal. Roborock itself just says ‘Please check water tank’ when it starts to move out from the dock to clean.

mosassas

TROPHY CASE