Here are the fees associated for each Annual Long- Term Average Downside Upside
For a 10,000 investment. I hope this helps someone else as well. I am ready to throw caution to the wind and just put it all in stocks, but we all know that would probably be really stupid.
FRS Select U.S. Stock Market Index Fund (S10) $2 $60 $17,200 $7,200 $39,200
Pioneer Fund (S20) $74 $2,496 $15,800 $7,000 $34,200
Specialty U.S. Stock Funds
FRS Select U.S. Large Value Stock Active Fund (S25) $19 $595 $16,600 $7,400 $35,500
FRS Select U.S. Large Growth Stock Active Fund (S30) $40 $1,280 $16,200 $6,300 $39,600
Prudential Mid-Cap Quantitative Core Equity Fund (S40) $35 $1,109 $17,100 $6,600 $41,000
Fidelity Growth Company Fund (S80) $68 $2,272 $15,800 $5,100 $43,500
Fidelity Low-Priced Stock Fund (S90) $74 $2,496 $16,300 $6,900 $35,700 closed
T. Rowe Price Small Cap Stock Fund (S97) $93 $3,235 $15,600 $5,900 $39,200
American Beacon Small Cap Value Fund (S99) $82 $2,802 $16,200 $6,000 $39,400
I don't understand your table!
But looking at one single fund, the TRP small cap fund, if the $93 is the total annual expense for a $10000 investment then it looks like you are getting the funds at cost. If that is the case then that is excellent.
I can't say that I am wow-ed by the list of funds available to you but I have seen worse. It would be nice if you had a good low-cost index fund available but I don't see one in your list. There are two funds in your list that I know are leaders in their category - not cheap but well managed with a good track record. The Pimco Total Return fund and the American Funds Europacific growth. I own Europacific growth in my retirement accounts but I get it very cheap
I also generally agree with your advisor that you should be in somewhat aggressive funds based on your age (20s or 30s as I recall). But if that makes you feel uncomfortable then by all means switch to something more conservative. YOU are the one who has to be able to sleep at night, not your advisor.
It's also not clear to me if this is retirement money (tax deferred) or taxable. If it is retirement money then I think owning the Pimco total return fund is fine. If it is taxable money then you may not want the income because taxes will take away from the return.
Your YTD date return has lagged the S&P index but not by a horrible amount. You have exposure to foreign sticks...which I like and they have lagged a little according to your stats. You can't blame that on your advisor.