I'm in need of help choosing options for my 401k. Unfortunately, they are not very good. Nearly all of the expense costs are over 2%! But I have brought it up with my HR to see if there is any way to find a better 401k for the company. They say they are looking into it, but in the mean time....
My expense ratios are extremely high. Which options should I choose if I'm looking at 90% stock / 10 % bond? How much to Large/mid/small cap, specialty, etc? I'm currently thinking 10% in the lowest bond
PIMCO TOTAL RETURN A (PTTAX) (2.10%)and 90% in the S&P 500 Index fund
HARTFORD INDEX HLS IB (HBIDX) (1.84%)unless better suggestions are made.
If my 401k doesn't change before I leave my job (not planned in the near future), I should roll it over into my Roth IRA after I leave due to these high expense ratios, correct?
Should I still max contribute with these horrible expense ratios?