“Because various factors, I have chosen the highest risk/return allocation (scale 1-10) and am coming up on a decade with them. Over that time, the fees have been approximately 1% annually and the returns have trailed SPX by between 4-5%.”

Probably not an appropriate benchmark. I’d guess your Fidelity portfolio includes international stocks and maybe some bonds?

Is the 1% all in, or do the underlying funds have additional fees?

As Ray says, you can get a reasonable allocation for a lot less than 1%. Lifestrategy funds are good. I used to have all my wife’s stuff in one - it keeps me from messing with it like I do with my own. But… we did move it recently to a Vanguard target date 2050 fund. Similar allocation to the Lifestrategy (10% bonds instead of 20%), slightly lower fees of 0.08% all in IIRC. A lot less than your 1% at Fido. And it is totally set and forget.

It will not shoot the lights out.

Retirement Investing FAQ

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