Investing for 401(k)

Hello Monkeys,

Just wanted your take on this. I max out my 401(k). I am just starting out so my saving hasn't hit 18.5 yet. But I want to get off to a good start. Right now, the company I work for manages my portfolio. However, I am seeing that with the diversified investment, they are taking in 0.48% for fees. I think this is a bit too high? They have me invested in emerging markets, small caps, mid caps, S&P and couple more. It is diversified. My question is this, should I just put all my money in target date fund and forget about it? The fees for that is 0.11% and it holds bunch of these other investments in it already that they've put me in individually. What should I do? I am the first generation of my family to work in states, and I just need someone to explain to me how I should proceed. Any books on this? All the articles I read says invest in low cost mutual fund. How do you research mutual funds? Is it similar to stocks? I have all these questions but can't seem to find concrete answers. One article seems to contradict the previous and I am just confused. How do you invest your 401(k)? Any advise and suggestions will be greatly appreciated. Thanks.

1 Comments
 

Id eaque quia temporibus illo voluptatem voluptatem iste. Quidem numquam eum consectetur qui ipsum aliquid maiores possimus. Nam amet a soluta maiores adipisci voluptatem dolorem.

I'm an AI bot trained on the most helpful WSO content across 17+ years.

Career Advancement Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • JPMorgan 01 98.4%
  • Goldman Sachs 01 97.8%
  • Morgan Stanley 07 97.3%

Overall Employee Satisfaction

September 2026 Investment Banking

  • Moelis & Company No 99.5%
  • Morgan Stanley 02 98.9%
  • Evercore 01 98.4%
  • Banco Santander 02 97.8%
  • BMO Capital Markets 12 97.3%

Professional Growth Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • Morgan Stanley 07 98.4%
  • Goldman Sachs 01 97.8%
  • JPMorgan No 97.3%

Total Avg Compensation

September 2026 Investment Banking

  • Vice President (16) $429
  • Associates (51) $260
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (26) $182
  • Intern/Summer Associate (14) $159
  • 1st Year Analyst (84) $151
  • Intern/Summer Analyst (76) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
kanon's picture
kanon
99.0
3
BankonBanking's picture
BankonBanking
99.0
4
Secyh62's picture
Secyh62
99.0
5
GameTheory's picture
GameTheory
98.9
6
CompBanker's picture
CompBanker
98.9
7
dosk17's picture
dosk17
98.9
8
DrApeman's picture
DrApeman
98.9
9
Betsy Massar's picture
Betsy Massar
98.9
10
numi's picture
numi
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”