I am currently looking to change my investment options with TransAmerica. I currently have everything in a general retire on track fun which ER is 0.39%. My current rate of return in 3.3%. I posted a while back but didn't get to changing it cause of life being in the way.
I am looking at doing this for my percentages.
State Street Equity 500 Index K - ER 0.02% - 50% Allocation
Fidelity International Index - ER 0.04% - 30% Allocation
Transamerica RetireOn track 2065 Fund - ER 0.39% - 20% Allocation
Would this be a good spread for a hopeful higher Return rate. Here are all the other options with ER included. Please let me know what you think.
**Short Bonds/StableMMkt**
\-Transamerica Stable Value Ascend Account
**Interm./Long-Term Bonds**
\-American Funds Bond Fund if America R6
Prospectus Net Expense Ratio 0.24% Total Annual Operating Expense 0.25%
\-Guggenheim Total Return Bond R6
Prospectus Net Expense Ratio 0.49% Total Annual Operating Expense 0.53%
\-PIMCO Income Instl
Prospectus Net Expense Ratio 0.83% Total Annual Operating Expense 0.83%
\-Fidelity Inflation protected Bond Index
Prospectus Net Expense Ratio 0.05% Total Annual Operating Expense 0.05%
**Aggressive Bonds**
\-PGIM Global Total Return R6
Prospectus Net Expense Ratio 0.53% Total Annual Operating Expense 0.53%
**large-Cap Stocks**
\-Putnam large Cap Value R6
Prospectus Net Expense Ratio 0.54% Total Annual Operating Expense 0.54%
\-State Street Equity 500 Index K
Prospectus Net Expense Ratio 0.02% Total Annual Operating Expense 0.10%
\-American century Ultra R6
Prospectus Net Expense Ratio 0.54% Total Annual Operating Expense 0.57%
**Small/Mid-Cap Stocks**
\-American Century Mid Cap Value R6
Prospectus Net Expense Ratio 0.63% Total Annual Operating Expense 0.63%
\-Fidelity mid Cap Index
Prospectus Net Expense Ratio 0.03% Total Annual Operating Expense 0.03%
\-Janus Henderson Enterprise N
Prospectus Net Expense Ratio 0.66% Total Annual Operating Expense 0.66%
\-DFA US Targeted Value l
Prospectus Net Expense Ratio 0.29% Total Annual Operating Expense 0.30%
\-DFA US Small Cap l
Prospectus Net Expense Ratio 0.27% Total Annual Operating Expense 0.28%
\-Fidelity Small Cap Index
Prospectus Net Expense Ratio 0.03% Total Annual Operating Expense 0.03%
\-Putnam Small Cap Growth R6
Prospectus Net Expense Ratio 0.81% Total Annual Operating Expense 0.81%
\-DFA Global Real Estate Securities l
Prospectus Net Expense Ratio 0.22% Total Annual Operating Expense 0.28%
**International Stocks**
\-Fidelity International Index
Prospectus Net Expense Ratio 0.04% Total Annual Operating Expense 0.04%
\-MFS international Growth R6
Prospectus Net Expense Ratio 0.72% Total Annual Operating Expense 0.73%
\-DFA Emerging markets Core Equity l
Prospectus Net Expense Ratio 0.40% Total Annual Operating Expense 0.40%
**Multi-Asset/Other**
\-Transamerica RtrOnTrck(R) 2010 Fund
Net Expense Ratio 0.24%
\-Transamerica RtrOnTrck(R) 2015 Fund
Net Expense Ratio 0.26%
\-Transamerica RtrOnTrck(R) 2020 Fund
Net Expense Ratio 0.28%
\-Transamerica RtrOnTrck(R) 2025 Fund
Net Expense Ratio 0.29%
\-Transamerica RtrOnTrck(R) 2030 Fund
Net Expense Ratio 0.32%
\-Transamerica RtrOnTrck(R) 2035 Fund
Net Expense Ratio 0.33%
\-Transamerica RtrOnTrck(R) 2040 Fund
Net Expense Ratio 0.35%
\-Transamerica RtrOnTrck(R) 2045 Fund
Net Expense Ratio 0.36%
\-Transamerica RtrOnTrck(R) 2050 Fund
Net Expense Ratio 0.36%
\-Transamerica RtrOnTrck(R) 2055 Fund
Net Expense Ratio 0.39%
\-Transamerica RtrOnTrck(R) 2060 Fund
Net Expense Ratio 0.39%
\-Transamerica RtrOnTrck(R) 2065 Fund (current allocation)
Net Expense Ratio 0.39%