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REDDIT

Roth 401(k): VFIAX fees seem high, should I switch to bonds to offset?

N
Feb 4, 2026 · 19:37

I currently hold VFIAX in my Roth 401(k), but I’m noticing what feel like high fees: about $18 per quarter plus \\\\\\\~$13 per month in plan/administrative fees.

I’m considering switching to VFSUX (bond fund) since its yield would more than cover the fees.

Does this make sense, or am I thinking about this the wrong way? Are there better ways to deal with high 401(k) fees without hurting long-term growth?