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Message
2018 ytd 401k rates of return thus far- post them along with allocation
Posted on 8/8/18 at 10:51 am
Posted on 8/8/18 at 10:51 am
6.64% as of yesterday's close.
Allocation is:
60% S&P Index
20% international index - this is hurtimg me
10% small-cap index
10% mid-cap index
Allocation is:
60% S&P Index
20% international index - this is hurtimg me
10% small-cap index
10% mid-cap index
13
Posted on 8/8/18 at 12:33 pm to 3morereps
It's impossible to compare individual situations since newer employees' 401ks are so heavily influenced by contributions.
That being said, 8.18%.
13.0% domestic mid cap
26.5% domestic small cap
47.0% domestic large cap
13.5% international (mostly large cap)
I changed my allocations slightly at the end of February.
That being said, 8.18%.
13.0% domestic mid cap
26.5% domestic small cap
47.0% domestic large cap
13.5% international (mostly large cap)
I changed my allocations slightly at the end of February.
Posted on 8/8/18 at 1:28 pm to 3morereps
12% my 401k
Morgan Stanley growth fund
Vanguard small value
7% wife’s 401k
JP Morgan equity income
Fidelity blue chip growth
Fidelity international index
Fidelity Extended market
19% Ira 1
Morgan growth fund
Amazon
LRCX
TDOC (just bought today)
6% Ira 2
A vanguard target date fund.
Morgan Stanley growth fund
Vanguard small value
7% wife’s 401k
JP Morgan equity income
Fidelity blue chip growth
Fidelity international index
Fidelity Extended market
19% Ira 1
Morgan growth fund
Amazon
LRCX
TDOC (just bought today)
6% Ira 2
A vanguard target date fund.
Posted on 8/8/18 at 1:36 pm to slackster
10.16%
55% domestic large cap
19% domestic small cap
14% mid cap speciality
12% domestic mid cap
55% domestic large cap
19% domestic small cap
14% mid cap speciality
12% domestic mid cap
Posted on 8/8/18 at 1:44 pm to 3morereps
+4.37% YTD overall
Allocation
62% Fidelity Total Market Index (+8.37% YTD)
38% Fidelity International Index (-0.85% YTD)
Will re-shuffle to 60/40 domestic/intl at the end of the year.
Allocation
62% Fidelity Total Market Index (+8.37% YTD)
38% Fidelity International Index (-0.85% YTD)
Will re-shuffle to 60/40 domestic/intl at the end of the year.
Posted on 8/8/18 at 3:59 pm to 3morereps
10.52%
QQQ 100%
QQQ 100%
Posted on 8/8/18 at 4:08 pm to slackster
, why did my post get a couple downvotes? Posted on 8/8/18 at 4:09 pm to KillTheGophers
quote:
QQQ 100%
That's a pretty fancy option in a 401k. Nice.
Posted on 8/8/18 at 4:09 pm to 3morereps
28%
100% CTAS
100% CTAS
Posted on 8/8/18 at 4:15 pm to GeauxMariners
quote:
100% CTAS
What a run they've had. 22% annualized over the last 10 years. Damn.
Posted on 8/8/18 at 4:19 pm to 3morereps
I'll play...
8.10%
75.96% in Large Cap
14.56% in Asset Allocation (this was the best way to get INT exposure at a reasonable fee
9.48 % in Bonds
8.10%
75.96% in Large Cap
14.56% in Asset Allocation (this was the best way to get INT exposure at a reasonable fee
9.48 % in Bonds
This post was edited on 8/8/18 at 4:22 pm
Posted on 8/8/18 at 4:35 pm to 3morereps
My 401k Used to be all in on a target fund, split it this year and invested in stocks that I believe in long term....mirrors the QQQ minus some of the health care stuff they have
Posted on 8/8/18 at 4:38 pm to 3morereps
Not as good as many of you all. Through 7/31 I only had YTD 2.84% personal rate of return
Asset Allocation:
28.92% - Large Blend
26.6% - Foreign Large Blend
13.27% - Foreign Small/Mid Growth
12.59% - Small Blend
12.27% - Mid-Cap Blend
6.32% - Real Estate
Asset Allocation:
28.92% - Large Blend
26.6% - Foreign Large Blend
13.27% - Foreign Small/Mid Growth
12.59% - Small Blend
12.27% - Mid-Cap Blend
6.32% - Real Estate
This post was edited on 8/8/18 at 4:39 pm
Posted on 8/8/18 at 4:55 pm to TheWiz
quote:
14.56% in Asset Allocation (this was the best way to get INT exposure at a reasonable fee
Is it a fund of funds? Regardless, I wonder how much international exposure you're getting for the overall expense. If it's 20%, for example, you might be better off just putting 3% (20% * 15% allocated) directly in a higher cost international fund and the other 12% in your stock and bond funds.
Just a thought.
Posted on 8/8/18 at 5:52 pm to 3morereps
Do any of you have 401ks that let you buy individual stocks instead of all these fee based mutual funds??
I don't understand these plans that offer like 20 funds and then some people buy them all. I looked at a company that had a true 401K plan and it was with Principal. They had like 25 Principal funds employees had bought in the plan. There was $14million in the entire plan. That agent for Principal was making a FORTUNE off of that plan. Not a single fund in the plan had performed better than the S&P 500.
If you going to buy a fund just by a S&P index fund or the Qs if your plan will let you with very low fees and be done with it.
I much rather a few holdings of stock than any fund.
I don't understand these plans that offer like 20 funds and then some people buy them all. I looked at a company that had a true 401K plan and it was with Principal. They had like 25 Principal funds employees had bought in the plan. There was $14million in the entire plan. That agent for Principal was making a FORTUNE off of that plan. Not a single fund in the plan had performed better than the S&P 500.
If you going to buy a fund just by a S&P index fund or the Qs if your plan will let you with very low fees and be done with it.
I much rather a few holdings of stock than any fund.
This post was edited on 8/8/18 at 5:56 pm
Posted on 8/8/18 at 9:34 pm to 3morereps
17.2% as of today's close.
Allocation is:
26% Small/Mid Cap ETFs (IJR, VEXAX)
17% Leveraged x2 Mid Cap ETF (MVV)
25% Leveraged x3 Nasdaq 100 ETF (TQQQ)
32% Bond Funds (SPAB)
ETA: Full disclosure -- the majority of my portfolio is rollover IRA which allows me to invest in whatever I want. Were I limited to my current employer's 401k my return would be 8.3% YTD.
Allocation is:
26% Small/Mid Cap ETFs (IJR, VEXAX)
17% Leveraged x2 Mid Cap ETF (MVV)
25% Leveraged x3 Nasdaq 100 ETF (TQQQ)
32% Bond Funds (SPAB)
ETA: Full disclosure -- the majority of my portfolio is rollover IRA which allows me to invest in whatever I want. Were I limited to my current employer's 401k my return would be 8.3% YTD.
This post was edited on 8/8/18 at 9:40 pm
Posted on 8/8/18 at 9:41 pm to I B Freeman
quote:mine does. but the fees are ridiculous (100/year for the brokerage acct, $7/trade of stocks, $25/trade of mutual fund/ETF) so you better know what you're doing. But it's worth it considering the limited options they offer.
Do any of you have 401ks that let you buy individual stocks instead of all these fee based mutual funds??
Posted on 8/8/18 at 10:45 pm to I B Freeman
I’m able to buy stocks in mine as well with a TD Ameritrade account. .30% fee.
24% YTD
Allocation:
86% US Large Cap stocks
14% Cash Fixed Rate (2.75%)
24% YTD
Allocation:
86% US Large Cap stocks
14% Cash Fixed Rate (2.75%)
Posted on 8/9/18 at 12:05 am to slackster
I think because you said contributions count toward RoR
Posted on 8/9/18 at 7:12 am to Dandaman
quote:
I think because you said contributions count toward RoR
They skew it.
If you've got a $300k 401k to start the year and you're maxing it out, only so much money is buying the "dips" since the pullback from January highs.
If you've got a $10k 401k and you're putting in $5k/yr, a much larger chunk of your account bought in at lower levels throughout the year.
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