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401k rate of return question
Posted on 2/8/13 at 9:53 am
Posted on 2/8/13 at 9:53 am
I have had a 401k for 5 years. What would you consider a good rate of return to date over those 5 years? I am a financial novice.
6
Posted on 2/8/13 at 9:55 am to TheFolker
> 15%
Posted on 2/8/13 at 9:59 am to SaDaTayMoses
Thank you. I was go over my statements and didn't really know what was considered "good".
Posted on 2/8/13 at 1:30 pm to TheFolker
It depends on how it was invested within the 401k and what your investment objective was for those 5 years.
Posted on 2/8/13 at 1:49 pm to TheFolker
What risk tolerance are we speaking too? Are you aggressively allocated, balanced, conservative?
Posted on 2/8/13 at 3:05 pm to TheFolker
Mine was 14% last year fwiw.
Posted on 2/8/13 at 3:11 pm to TheFolker
I just rolled mine over to an IRA, so I don't know what my 5yr return was.
I know in the last year, it was at 17%
I know in the last year, it was at 17%
Posted on 2/8/13 at 3:15 pm to TheFolker
I've only been in my 401k for around 3 years, so I don't have any first hand experience as far as longevity, but from what I've read, almost all funds will return 6%-9% over there lifetime. You will have years that you do a lot better than that (I had 16.7% this year) and you will have your bad years (last year for me).
When I started investing with with Merrill Lynch, they showed me their conservative, moderate, and aggressive fund rates of return. All were 6%-9%. Aggressive is just more volitile. When the years or good, it's 20%, when it's bad, you lose money. The trick is moving from aggressive to conservative at the right time in your life.
When I started investing with with Merrill Lynch, they showed me their conservative, moderate, and aggressive fund rates of return. All were 6%-9%. Aggressive is just more volitile. When the years or good, it's 20%, when it's bad, you lose money. The trick is moving from aggressive to conservative at the right time in your life.
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