401K Question

I'm assuming you're talking about your rate of return. The Dow is up 20% since the first of the year and if you're only getting a 3% return during that period something is very, very wrong. Unless you are sixty years old and very risk-averse, you need to review your portfolio and consider putting more into stocks. How much more depends on your age and how many years you have to retirement. You may be best served by getting into a target fund for your estimated year of retirement. The asset allocation will then be done automatically each year by the fund manager.

I'm only 25, so I'm able to take more risk. But when looking at the options of where I can move my money too, I'm not really sure which ones are the best options.

That one looks real good, but it doesn't show as one of the options I can pick from. With Vanguard is that something I need to set up completely separate. Is that just a different investment plan, Roth Ira.... sorry just not sure about how some of this works.

If your fund manager doesn't offer target investments you can still select investments that conform to the target guidelines. Note that for the next 15-20 years, 90% of your investments are in stocks, 63% U.S. and 27% international. Your plan should have offerings in these categories that would allow you to make a similar allocation.

If you have the option of a Roth IRA I would select that. Your contributions will be after tax but forty years of appreciation can be withdrawn tax free. That's a hell of a deal.

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Do you have an HR department you can talk to? Aside from listing your investment options here, you can talk to someone who can tell you which funds are mostly stocks whether it be an S&P target fund, international fund, etc.

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I was thinking about posting the investment options here, just not sure about how to upload them...

» AdvOne Clermont N

» AdvOne Liahona N

» AdvOne Sel Alloc N

BlkRk Glbl Alloc Inv A

NW Inv Dest Aggr Svc

NW Inv Dest Cnsrv Svc

NW Inv Dest Mod Aggr Svc

NW Inv Dest Mod Cnsrv Svc

NW Inv Dest Mod Svc

Okmrk Eq Inc II


Bonds
» AdvOne Flex Inc N

GdmnScs Govt Inc A

PIMCO Ttl Rtn A

PNC Govt Mrtg A

Payden GNMA Adv

Prncpl Hi Yld A

TCW Ttl Rtn Bd N

INDEX: Lehman Bros Agg Bd
NW Mny Mkt Inst


International Stocks
AmFds Cap Wld Gr Inc R3

Harbor Intl Inv

INDEX: EAFE
Large-Cap Stocks
» AdvOne Amerigo N

AmFds Fdmntl Inv R3

JPM Val Advtg A

Jns Twnty T

Mgrs Ycktmn Focs Svc

NW S P 500 Indx Svc

WFA Prmr Lg Co Gr A

Mid-Cap Stocks
Col MdCap Val Oppr A

Drey Oppr MdCap Val A

Fnkln SmMdCap Gr A

JnHnck Dscpld Val MdCap A

Prudntl Jnisn MdCap Gr A


Short-Term Bonds
GdmnScs Shrt Dur Govt A

Vic Fd For Inc A


Small-Cap Stocks
Buf SmCap

Heartland Val Pls Inv

Invsco SmCap Val A

JPM SmCap Eq A


Specialty
» AdvOne Enhcd Inc N

Invsco RealEst A

NeuBer RealEst Inst

Opp Intl Bd A

VanEck Intl Inv Gold A

Yea but Im not really sure which ones to choose from. The ones with the arrows next to them are the ones I currently have them in.

My rate of return for the year so far is 14%

I'm at 15.5% between my 401k, SO's 401k, and our Roth IRAs. That's with about 85% stock, 10% silver, and 5% bonds. It's obvious what is dragging, but I bought the silver relatively cheap and the bonds are getting their arse kicked this year.