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401K Question
Posted on 3/2/10 at 9:49 am
Posted on 3/2/10 at 9:49 am
I understand that this might not be the smartest thing but I want to shift the makeup of my 401k from a majority of stocks to something that outside of the stock market but still inside of my 401k. I only want to do this for about a year. I think the likelyhood of the DOW to decrease to 6k again is greater than increasing to over 11k. What would you do? Bonds?
5
Posted on 3/2/10 at 10:12 am to kaowheat10
It depends, why do you (I) believe that the market is going to crash again?
If you think companies are going to go insolvent, corporate bonds might be a really bad idea.
Do you think another country will be able to benefit by this? Do you think that the dollar will devalue massively?
If you think companies are going to go insolvent, corporate bonds might be a really bad idea.
Do you think another country will be able to benefit by this? Do you think that the dollar will devalue massively?
Posted on 3/2/10 at 10:15 am to kaowheat10
Double post
This post was edited on 3/2/10 at 10:16 am
Posted on 3/2/10 at 11:05 am to kaowheat10
see if there is a MUNIBOND fund that you can allocate some of that money into. problem is with many employers 401k's they suck because there is not much to choose from.
Posted on 3/2/10 at 12:08 pm to kaowheat10
I hope it is a smart thing to do, because I did. Specifically I have a mix of index funds representing US stocks and European stocks (not denominated in dollars).
In my Roth I have a small holding in a commodity index fund and emerging market stocks. I put that in the Roth because higher-volatility assets should be in an account where the earnings are tax-sheltered.
In my Roth I have a small holding in a commodity index fund and emerging market stocks. I put that in the Roth because higher-volatility assets should be in an account where the earnings are tax-sheltered.
Posted on 3/2/10 at 12:13 pm to kaowheat10
My company has a model that I use. It does the investing for you. I am guessing if you do the conservative model, you will be mostly in tbills, bonds, etc. I am still in the aggressive model. I took a beating a few years ago but did well last year. I am 35 and won't be retiring anytime soon, so I am not doing anything with my investments.
Posted on 3/2/10 at 12:33 pm to Weaver
If you are 25+ years from retirement there's no reason to have more than 10% or so in bonds. As you get w/in 20 years of retirement start moving more to bonds every 5 years or so.
Remember that you are *buying* now, so it's good if the market is in a valley or tanks. More bang for your buck.
hth
Remember that you are *buying* now, so it's good if the market is in a valley or tanks. More bang for your buck.
hth
Posted on 3/4/10 at 12:33 pm to TejasHorn
quote:
Remember that you are *buying* now, so it's good if the market is in a valley or tanks. More bang for your buck.
Dollar Cost Averaging
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