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Help needed on 401k?

Posted on 11/6/15 at 1:18 pm
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 1:18 pm
I was looking over my 401k and wondered what the concensus is on overall good funds. I'm contributing 5%, my Co matches 4% and sometimes more depending on performance. The majority of the funds are T Rowe Price and Vanguard choices. My time line to retirement is about 18-20 yrs. Right now I'm in T Rowe Price mid cap and small cap, and vanguard Intl Growth and they are right at even over the past yr but up 6% in Oct. Any advice is really appreciated!
Posted by Y.A. Tittle
Member since Sep 2003
101244 posts
Posted on 11/6/15 at 1:29 pm to
quote:

Any advice is really appreciated!


Up your contribution?
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 2:02 pm to
I was referring to advice on the different funds.
Posted by Y.A. Tittle
Member since Sep 2003
101244 posts
Posted on 11/6/15 at 2:06 pm to
You said "any".

ETA, although if you want my 2 cents, I'd get some greater exposure into larger cap stocks rather than just small and mid-caps. For better or for worse (I'd argue for worse), our current political/economic structure does not seem real conducive to small or mid-cap type companies exceeding larger companies in performance.
This post was edited on 11/6/15 at 2:12 pm
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 2:10 pm to
Yes, I guess you're right!
Posted by Y.A. Tittle
Member since Sep 2003
101244 posts
Posted on 11/6/15 at 2:13 pm to
See above. Edited to add 2 cents worth (being generous, maybe) of advice.
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 2:26 pm to
Ok, thanks!
Posted by RiverRoadTiger
River Parishes
Member since Aug 2006
659 posts
Posted on 11/6/15 at 2:51 pm to
Try T. Rowe Price Growth Fund. It's a large growth fund.
Posted by Jon Ham
Member since Jun 2011
28524 posts
Posted on 11/6/15 at 2:52 pm to
Do you have it setup for a periodic auto-rebalance?
Posted by WPBTiger
Parts Unknown
Member since Nov 2011
30865 posts
Posted on 11/6/15 at 3:06 pm to
Contribute $18,000 per year.
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 3:32 pm to
No, I do not on mine but I think my wife's is set up on rebalance. What is the benefit in this? Thanks guys for any and all advice!
Posted by Bucktail1
Member since Feb 2015
3186 posts
Posted on 11/6/15 at 3:37 pm to
We don't have a T Rowe growth fund by name...I'm in Vanguard Intl growth. Most of the T Rowe options are the brief Retirement Funds.
Posted by MMauler
Member since Jun 2013
19216 posts
Posted on 11/6/15 at 11:01 pm to
I have some of the same options. I hadn't paid too much attention. I just tried to get a diversified and somewhat balanced portfolio. I then saw this Frontline piece a few days ago and I'm now going to go back (after the holidays) and really take a look at these funds to see which ones are charging the most fees versus their return.

Frontline piece
This post was edited on 11/6/15 at 11:04 pm
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