Hi all,
Currently my 401K/MBDR are 100% FXAIX - I went with this initially as it has the lowest expense ratio and was simple enough for me.
I now want to add international exposure to match the rest of my accounts where I have a simple 80/20 VTI/VXUS split.
Unsure of a few things:
1. FSPSX has a higher expense ratio than FXAIX. Would it be better to instead increase international exposure in accounts where the funds I can choose are not limited?
2. Is it worth messing with mid/small cap funds as well to increase my exposure? FSMDX and FSSNX are offered. These funds also have a higher expense ratio than FXAIX and I’m afraid I may be overcomplicating.
My initial plan was to make 100% of my contributions this year to FSPSX to fix the US bias, but any advice is appreciated.