Oracle 401k fidelity

Oracle eHeH26
Aug 25, 2018 28 Comments

Hi ,
Just wanted to check what options you take in oracle 401k fidelity portfolio . I have vanguard (years ) fidelity contra pool and dodge .. YTD gains are not that great

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TOP 28 Comments
  • Microsoft realguru
    Oracle .. not sure they still pay salary .. who uses those arcade technologies.. guess Vietnam and China does .. Larry missed the whole cloud boat
    Aug 25, 2018 5
    • Oracle / Eng rtfmman
      So if you're not going to answer the question, why post?
      Aug 25, 2018
    • Expedia jastfin6
      The same people using historic c# and windows use Oracle
      Aug 25, 2018
    • Oracle puji66
      Msft. Hating Oracle since 1987.
      Aug 25, 2018
    • Microsoft rand20
      They seem to be offering inflated salaries and titles to engineers poached from Amazon and Microsoft.
      Aug 25, 2018
    • Yes they are and I like it. Enjoying the 💰
      Aug 25, 2018
  • I choose fidelity and just looked at previous years returns and choose the best.
    Aug 25, 2018 9
    • No thanks. I’ve been getting very good returns from this strategy. 11% YTD return in 401k.
      Aug 27, 2018
    • Salesforce 2438ez
      What fund is it?
      Aug 27, 2018
    • I choose these a few years ago, didn’t revise as they have been giving excellent returns.

      Fid contra pool cl 3,
      fid gr co pool cl 3,
      dfa sm/md cap Val,
      Intl growth account,
      Pimco total return,
      artisan mid cap.

      Bought through msft 401k through out the year.
      Aug 27, 2018
    • Salesforce 2438ez
      Thanks for sharing. I hope it continues to work out for you! (No sarcasm.)

      I used to have a lot of those same funds.

      FWIW, you may want to check these against their correlated index funds too. For example, there’s a Vanguard Russell 1000 growth trust that would compare with the first two contra pools. It has a slightly higher one year return (22.83% vs 22.75% as of 7/31) and has 0.02% expenses instead of 0.35%. Same for Vanguard Russell 2000 growth trust for small cap vs dfa sm/med cap value. It’s value vs growth so of course it’s not perfectly aligned but if you just care about small cap exposure then the vanguard index fund has 0.03% expenses and returned 23.09% in one year vs the dfa fund with 0.25% expenses and returned 15.42%.

      It ultimately comes down to whether you think paying someone more money to actively manage your money (instead of passively manage to an index) will result in higher returns. I used to think the answer was yes. But the more I read, time and again studies have shown otherwise.

      I can’t say much about total return or intl or mid cap because MSFT 401k doesn’t have lower cost options there. If you must invest in those assets in the 401k, you don’t have a better option. If you have investable assets in other accounts (IRA, other 401k) you may consider choosing low cost options in those accounts instead and only choosing assets in your 401k which have low cost options. Or you can just stay invested in the options you have and pay the extra fees.

      Of course you are only talking about 0.25%-0.50% per year. It could be worse. But it does add up. Compound fees eat away at your compound interest.

      No one knows the future. You could end up laughing at us all for choosing the low cost options while you stick with your existing portfolio. But by your logic, if you chose the funds with the highest returns today, you’d actually choose a lot of the low cost index funds that I would recommend.

      Good luck out there and happy investing!
      Aug 27, 2018
    • Salesforce 2438ez
      BTW the reference MSFT 401k portfolio I was looking at to check out the MSFT options is 43% S & P 500 index trust, 31% Russell 2000 growth trust, and 26% Russell 1000 growth trust. It is 14% YTD using all low cost index fund equivalent. Obviously international exposure and bond exposure are missing from this allocation, and so those would need to be added in a separate account that has low cost options (or keep the 401k options with the fees.) depending on your asset allocation, I’m just saying you could get similar performance with lower fees.

      This portfolio also assumes there is more large cap exposure outside the 401k, since some people may consider 30% Russell 2000 an excessive small cap tilt on its own.
      Aug 27, 2018
  • Oracle zUUY61
    I'm 95% Vanguard Target Date 2045 and 5% Brokerage Link. The target date fund return has been a bit underwhelming, but it's diversified. My Brokerage Link was a small holding of MSFT, AMD, AAPL, and some others. Not diversified, but one hell of a year.
    Aug 25, 2018 2
    • Oracle / Other nogo
      What do you mean by brokerage link?
      Aug 25, 2018
    • Oracle zUUY61
      It's a Fidelity feature enabled for our plan. You need to request access or click something to opt into it. It then works as a nearly full-featured brokerage account. You can buy stocks, bonds, ETFs, etc. You need to pay whatever commission. But you get a way to really manage and customize your retirement account.
      Aug 25, 2018
  • Oracle / IT pFiR53
    I left mine at default and the ytd has been better than any or my past 401ks
    Aug 25, 2018 2
    • Oracle eHeH26
      OP
      Thanks for your reply
      Aug 25, 2018
    • Oracle / Other nogo
      What was the default fund?
      Aug 25, 2018
  • Oracle / Eng rtfmman
    I've got about 40% in Fidelity Gr co Pool CL 3, 20% in Fidelity LPS pool class 2 10% in vanguard 500 index fund and then a smattering of other stock and Bond funds.

    My allocation is about 90% stock since I'm fairly young, so I can stand to be more aggressive.

    I've got a 9.5% return YTD, But that's been fluctuating due to market instability down to about 7% at times. Last year I was at 22% return, which was phenomenal.

    If you believe the market forecast that the stock market is due for another correction, this isn't a great time to switch up investments. Wait until after the correction.
    Aug 25, 2018 0
  • Oracle lNVJ73
    I have other investments outside, so I chose the most aggressive target date fund I could.
    Aug 25, 2018 3
    • Oracle eHeH26
      OP
      Could you please share details .. I am not asking exact money amount but names . E.g vanguard or something else and how did you figure out aggressive ? YTD return ?
      Aug 25, 2018
    • Oracle lNVJ73
      Vanguard target. You can look up the prospective through either bags
      Vanguard or netbenefits. It will tell you the allocations. In short, the farthest date is the most aggressive. I move it every few years to the new farthest date.
      Aug 25, 2018
    • Oracle lNVJ73
      YTD return is also listed in the prospective. Along with historical returns.
      Aug 25, 2018
  • Oracle lPw0w
    I use the S&P 500 fund. Not great as an index but better than nothing.
    Aug 25, 2018 0