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Advice on 401k
Posted on 4/16/17 at 6:14 am
Posted on 4/16/17 at 6:14 am
I've been contributing to my 401k for about 8 years now. I'm 30 and have roughly 200k in there. According to T Rowe Price, my current return is 10.7%. I'm curious to know if I'm aggressive enough, and am I in the right stuff? I basically set it up when I hired and left it alone. Company matches 4% dollar for dollar and we get a lump sum of 8% of our gross pay once a year.
Wells Fargo small co grow* - 10% invested
Vanguard inst index* - 50% invested
Invesco Small cap value y* - 20% invested
JP Morgan mid cap value L* - 20% invested
Wells Fargo small co grow* - 10% invested
Vanguard inst index* - 50% invested
Invesco Small cap value y* - 20% invested
JP Morgan mid cap value L* - 20% invested
3
Posted on 4/16/17 at 7:37 am to PolyPusher86
This is a fairly aggressive stock portfolio, as it should be IMO. 30% in small cap could have some significant volatility.
40% is mid to small cap value might be worth taking a look at. I would consider moving some of these positions to growth funds, though I am somewhat biased against value funds in general.
I would also consider some diversification particularly to get some international exposure. A lot of people would recommend 35% or even more. I got comfortable at 20%. I'd also consider a small position in a REIT index and a commodities fund.
40% is mid to small cap value might be worth taking a look at. I would consider moving some of these positions to growth funds, though I am somewhat biased against value funds in general.
I would also consider some diversification particularly to get some international exposure. A lot of people would recommend 35% or even more. I got comfortable at 20%. I'd also consider a small position in a REIT index and a commodities fund.
Posted on 4/16/17 at 5:07 pm to PolyPusher86
Posted on 4/17/17 at 11:36 am to PolyPusher86
quote:
Company matches 4% dollar for dollar and we get a lump sum of 8% of our gross pay once a year.
I'm not familiar with the WF or Invesco funds (or their expense ratios and performance), so no real opinion on those particular choices. At face value, they appear aggressive, and at your age, that's fine.
But I have to say that your company's plan is muy nice. Being in a plan like that can really move the needle for you, no matter what happens in the market. I assume the company match and the lump sum are paid in company stock? If so, how's that doing?
This post was edited on 4/17/17 at 11:38 am
Posted on 4/17/17 at 11:51 am to Jag_Warrior
quote:
I assume the company match and the lump sum are paid in company stock? If so, how's that doing?
Considering my paycheck is coming from my company, I move that money out into my funds pretty regularly. Too much risk tied up in one company for my taste. Can be exceptions though.
Posted on 4/17/17 at 3:20 pm to Jag_Warrior
The 4% they match, plus whatever I contribute myself, and the 8% lump sum are divided into my stock portfolio just as I have it listed. 10% 20% 20% 50%, it isn't paid in company stock.
This post was edited on 4/17/17 at 3:22 pm
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