- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
401k allocation for someone in early 30s during bear market
Posted on 2/6/18 at 7:32 am
Posted on 2/6/18 at 7:32 am
Assuming we're heading into a bear market, how should someone in their early 30s allocate their 401(k)? Currently, I'm 20% large cap, 35% mid cap, 20% small cap, and 25% International. Should I stay put since I have 30+ years left? Move some and start contributing % to bonds? My only retirement vehicles are my 401k and Roth.
Posted on 2/6/18 at 7:34 am to Crescent Connection
Forget your login password
Login again in 20 years
Login again in 20 years
Posted on 2/6/18 at 7:40 am to Crescent Connection
Who the hell decided we are in a bear market?
Posted on 2/6/18 at 7:44 am to Crescent Connection
Bearish sentiment not equal to bear market.
Posted on 2/6/18 at 7:49 am to Crescent Connection
quote:
Assuming we're heading into a bear market,
We're not.
Posted on 2/6/18 at 7:53 am to Crescent Connection
Stay put. If you've got money on the side consider opening your own brokerage account and buy the correction.
Posted on 2/6/18 at 8:07 am to Crescent Connection
I'm 39 and plan to retire at 60. My mix (401k) is about:
Large Cap ~40%
International, Mid, Small, & Emerging ~13.75% each
Bond ~5%
I'm going to hold that steady for at least 5 maybe ten years but going a little more conservative after that. My in-laws are retired and their split is still 60 (stocks)/40 (bonds).
Don't be scared by an organic correction. The markets should come roaring back soon. If not, your horizon is so long that it shouldn't matter that much.
Large Cap ~40%
International, Mid, Small, & Emerging ~13.75% each
Bond ~5%
I'm going to hold that steady for at least 5 maybe ten years but going a little more conservative after that. My in-laws are retired and their split is still 60 (stocks)/40 (bonds).
Don't be scared by an organic correction. The markets should come roaring back soon. If not, your horizon is so long that it shouldn't matter that much.
Posted on 2/6/18 at 8:21 am to Crescent Connection
I’m 31. I love buying on the way down. Yes it’s nice to see a 20% return. But when I got another 25 years, we should want things as cheap as possibly right now.
Posted on 2/6/18 at 8:31 am to Crescent Connection
pick your long term allocations regardless of market. Keep pouring money in and maintain the allocation percentages.
You don't change your investing allocations until you are getting relatively close to retirement. Some might start moving around 5 years to retirement. Others might around 10 years.
You don't change your investing allocations until you are getting relatively close to retirement. Some might start moving around 5 years to retirement. Others might around 10 years.
Posted on 2/6/18 at 10:37 am to Crescent Connection
Just keep it balanced and diversified.
This post was edited on 2/6/18 at 10:49 am
Posted on 2/6/18 at 10:48 am to Crescent Connection
quote:
Assuming we're heading into a bear market
I wouldn't start assuming just yet. Since 1980, the average intra-year drop is 14%, yet annual returns are positive in 29 of those 38 years.
Posted on 2/6/18 at 12:39 pm to Crescent Connection
Go aggressive with it and check it once a year.
Posted on 2/6/18 at 1:02 pm to Crescent Connection
Dollar Cost Averaging. Look it up
Posted on 2/7/18 at 8:24 pm to Crescent Connection
I am the same age and while I do think we will see a turn to the bear in the next 8-16 months I will not be making any changes anytime soon.
Posted on 2/15/18 at 5:45 pm to Crescent Connection
You should be aggressive and keep contributing at your age. Just watch the individual funds. If they aren't performing then move them around. Maybe get a fund that has a percentage of bonds in it but not a full bond fund. . 5% max.
Posted on 2/18/18 at 7:54 pm to Crescent Connection
I like the age in bonds approach or bond % = age - 10.
Stocks can drop 70-80% in a really bad recession. You will be thanking the good Lord for every dollar you have in US government bonds when that day hits.
...unless it's a US gov debt default, in which case there is no investment rock you could hide under to escape the Carnage.
Stocks can drop 70-80% in a really bad recession. You will be thanking the good Lord for every dollar you have in US government bonds when that day hits.
...unless it's a US gov debt default, in which case there is no investment rock you could hide under to escape the Carnage.
Popular
Back to top
Follow TigerDroppings for LSU Football News