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Hello,
I have a 401k plan through my company who uses T.Rowe Price. My company recently made some changes and now the funds I had for years are no longer available. They removed some of the funds and added a few Fidelity funds.
Where would you invest all your funds if you were me? Right now I have everything on a Target Date fund but I'm not a fan of target funds. See below the funds included in my plan and the fees.
For context, I'm 40 so probably looking at 20 more years of contributions. I was thinking of just putting everything on the TRP Index 500 funds since it tracks the SP500 and there are no fees, but not sure if that would be a good idea.
Thanks in advance!
|STOCKS||EXPENSE RATIO|
|:-|:-|:-|
|FIDELITY EXT MKT INDEX FUND|FSMAX|0.04%|
|FIDELITY LARGE CAP GR IDX|FSPGX|0.04%|
|PUTNAM SMALL CAP GROWTH S|PSCGS|0.56%|
|TRP EQUITY INCOME|PRFDX|NO FEES|
|TRP EQUITY INDEX 500|PREIX|NO FEES|
|TRP MID-CAP GROWTH|RPMGX|NO FEES|
|TRP SPECTRUM INTERNATIONAL EQ|PSILX|NO FEES|
||||
|BONDS|||
|TRP SPECTRUM INCOME|RPSIX|NO FEES|
||||
|TARGET FUNDS|||
|TRP RET BLEND 2050 TR-SG|BSGJ|0.13%|

Everyone buying the hype on the new **SpaceX IPO (SPCX)** needs a reality check. The financial statements just leaked from the S-1 filings and recent quarterly reports, and it is a pure cash furnace.
If you aggregate the whole "Musk Empire," it is not a tech monopoly. It is a highly volatile valuation bubble where one struggling car company is trying to bankroll an entire network of AI money pits.
The Real Numbers (Q1 2026 Metrics)
* **Tesla (TSLA) Market Cap:** \~$1.42T
* **SpaceX (SPCX) Market Cap:** \~$2.05T (down 27% from the post-IPO peak)
* **Combined Total Network Value:** \~$3.5 Trillion
* **Combined Quarterly Net Income:** **-$3.82 Billion (A massive collective loss)**
Here is how bad the actual bleed looks when you map it out:
text
ELON EMPIRE NET INCOME (MOST RECENT QUARTER)
==================================================
Tesla (TSLA): [+$477M] ■■■
SpaceX (SPCX): [-$4.30B] ■■■■■■■■■■■■■■■■■■■■■■■
--------------------------------------------------
TOTAL NET BLEND: [-$3.82B]
==================================================

Use code with caution.
The Breakdown
**1. SpaceX (SPCX) is a $2 Trillion Black Hole**
The hype machine pumped SPCX past a $2.5T valuation at launch, but Morningstar dropped a massive warning beforehand stating the actual fair value is closer to $780B.
SpaceX lost **$4.9 Billion in 2025**, and just lost another **$4.30 Billion in a single quarter**. Why? Because Musk forced SpaceX to absorb his private AI startup (xAI) and burned **$7.72 Billion on AI capital expenditures** in 90 days. Public retail buyers are literally acting as exit liquidity to pay for server racks that have zero proven monetization.
**2. Tesla (TSLA) is Running Out of Gas**
Bulls claim Tesla is the safety net, but [the Q1 earnings release shows deep trouble](https://finance.yahoo.com/news/tesla-q1-2026-earnings-profit-204150996.html). They built 408k cars but only sold 358k. That is 50,000 unsold cars sitting in parking lots, blowing global vehicle inventory up to a 27-day supply. To fix it, Musk just jacked up 2026 CapEx guidance to **$25 Billion**, meaning Tesla's free cash flow is projected to plunge straight into a **negative $8.5 Billion ditch** this year.
The Scam Loop
The playbook never changes. When Tesla car sales drop, the narrative abruptly shifts to RoboTaxis. When RoboTaxis don't materialize, it shifts to Optimus bots. When that stalls, the hype pivots to "orbital AI data centers."
Insiders and private venture funds were running out of cash to fund Twitter's debt and xAI’s burn, so they packaged it all into the SPCX IPO to dump the bags on retail. When a corporate network needs $30B+ in annual capital just to stay alive while losing billions a quarter, it is not an investment—it’s a speculative trap.
Are you shorting this peak, or holding the bag?