As I'm still waiting for the completed investment plan from my investment manager - who in turn has probably been waiting for my 401k investment options from Big Company - so we can't really blame him, I'm in a position of having to select investment options without the certainty of where they should reside.
Have you been in this situation?
My short term solution is to place the money in my 401ks stable value fund (think Money Market). I was quite disappointed to learn it ws only paying about 3.8%, which is pretty poor compared to Schwab or the online savings account options.
I haven't found how to print out the fund explanation worksheets - where I can learn the expense ratios, etc.... I'm a bit frightened as to what I might see.
The retirement plan does have something called a Brokerage Window - I assume it's a method to invest in something other than the 24 investment options presented. I wonder what Big Brokerage charges to hold assets in the plan via the Brokerage Window - is there a toll for crossing the threshold or a rental charge for sitting on the window sill?
I was very disappointed for that Big Company - which claims to be so smart - didn't offer Vanguard as a retirement plan provider. Well, I'm just one little person and will make the best of it.