Hi there, I’m 28 in a HCOL.
Basic stats for context:
Income: ~$140k
Brokerage: $152k
Roth: $64
HSA: $3k
HYSA: $19k (I recently got a company car and this is basically just the money I got from selling my car. I don’t treat it as “mine”, because I might need it to buy a car again in the future)
Crypto: $27k (roughly split equally BTC, ETH, and HBAR)
Checking: ~$7k
And the main question here, 401k currently at $78k
I just got a promotion this year and am maxing out my 401k for the first time. (Woo!!)
When I went to update my contributions, I realized there’s a new option available to me with fidelity called Brokerage Link, where I’d no longer be forced to buy the Blackrock funds my company gives me access to.
Currently I have 100% of my contributions and match going to “Blackrock Large Equity Index” or whatever the hell that is. I can’t seem to find much information or detail on the fund.
I’m pretty much a VOO (and sometimes VUG) and chill kinda gal in my Roth and brokerage.
Is there something different I should be doing with my 401k knowing that 1) I won’t be able to access it for many years and 2) I’ll be taxed on the gains?
TLDR: Is it worth the effort to rebalance my 401k and invest in a fidelity or vanguard fund, or is “Blackrock large equity index” just fine?
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