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0.6% return so far on 401k and Roth . Will it get any better ? I need to see10%

Posted on 3/21/14 at 6:33 pm
Posted by caill430
Da Dirty Dell
Member since Jul 2005
1103 posts
Posted on 3/21/14 at 6:33 pm
If not, where should I invest? 401k through charlesschwabplan at the moment
Posted by Ace Midnight
Between sanity and madness
Member since Dec 2006
89542 posts
Posted on 3/21/14 at 6:35 pm to
Insufficient data.

What vehicle?

What time window?
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 3/21/14 at 6:42 pm to
We'd need to know what funds, stocks, etc. you are invested in first.

Also, how old are you? How soon before you plan to retire?
Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 3/21/14 at 6:43 pm to
over the past year? terrible.
over the last week?
2 months?
Posted by caill430
Da Dirty Dell
Member since Jul 2005
1103 posts
Posted on 3/21/14 at 6:43 pm to
I have been investing for 20 years in a company 401k. I have built up a nice nest egg, but .6% isn't going to get me where I need to be in 20 years. Should I stick it out or is there something else out there besides doing a 50/50 on black or red
Posted by Chris Farley
Regulating
Member since Sep 2009
4180 posts
Posted on 3/21/14 at 6:43 pm to
Every year won't be like 2013, chap.
Posted by ell_13
Member since Apr 2013
85040 posts
Posted on 3/21/14 at 6:46 pm to
It's fricking march. Calm down.
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 3/21/14 at 6:53 pm to
quote:

I have been investing for 20 years in a company 401k. I have built up a nice nest egg, but .6% isn't going to get me where I need to be in 20 years.


Have you been getting 0.6% for the first 20 years? If so, you've definitely been doing it wrong.

If you got 0.6% for just the last month or so, chill. But we still need to know what your holdings are.
Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 3/21/14 at 7:02 pm to
quote:

0.6% for the first 20 years? If so, you've definitely been doing it wrong.
id say so
Posted by caill430
Da Dirty Dell
Member since Jul 2005
1103 posts
Posted on 3/21/14 at 7:05 pm to
Here is where I am :
Eb dl non sl broad mkt. 16%
Jpmcb large cap growth. 13%
Vanguard equity 19%
Delaware small cap 9%
Prudential jennison small 4%
Artisan intl growth trust 22%
Pimco total 12%

Posted by CE Tiger
Metairie
Member since Jan 2008
41584 posts
Posted on 3/21/14 at 7:21 pm to
put that shite in target retirement date fund and check back in 20 years
Posted by JBM210
Member since Dec 2010
3192 posts
Posted on 3/21/14 at 7:22 pm to
I am at 1%YTD. Pulled 21% for last year. My 401K
Posted by rintintin
Life is Life
Member since Nov 2008
16179 posts
Posted on 3/21/14 at 7:44 pm to
Hmm, you must be talking about YTD. I just looked up every fund you own and they all have had pretty good performance over the last few years. Except for PIMCO, which actually managed a negative return in 2013. Regardless, you should have seen a substantial annual return over the last few years.

If you're talking YTD, then you just have too high expectations. The market hasn't figured out what it wants to do yet this year.
Posted by OTIS2
NoLA
Member since Jul 2008
50124 posts
Posted on 3/21/14 at 8:20 pm to
Send him a bill for your time.
Posted by LSURussian
Member since Feb 2005
126962 posts
Posted on 3/21/14 at 8:44 pm to
quote:

Will it get any better ?
Posted by ItNeverRains
37069
Member since Oct 2007
25466 posts
Posted on 3/21/14 at 10:00 pm to
I recently starting using a guy named Mark Karpeles for all my investments. Says he has a fool proof system
This post was edited on 3/21/14 at 10:01 pm
Posted by lsugradman
Member since Sep 2003
8545 posts
Posted on 3/21/14 at 10:15 pm to
Posted by Ellakennedi
Member since Aug 2012
665 posts
Posted on 3/23/14 at 11:24 am to
I usually invest my 401k in shell stock. I buy/sell dips and usually try and be in for 5% div....I've been doing this for 3 years and I have made 16% 21% 17% annually. U need a strategy
Posted by HurricaneDunc
Houston
Member since Nov 2008
10472 posts
Posted on 3/23/14 at 11:33 am to
quote:

I usually invest my 401k in shell stock. I buy/sell dips and usually try and be in for 5% div....I've been doing this for 3 years and I have made 16% 21% 17% annually. U need a strategy


Trying to time the market is not a strategy. Dollar cost averaging is a much sounder strategy.
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 3/23/14 at 12:41 pm to
quote:

If you're talking YTD, then you just have too high expectations.


This.

BTW, nobody can guarantee a 10% annual return year over year.
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