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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.
17
Posted on 2/6/18 at 7:34 am to Crescent Connection
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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 8:01 am to Jake88
I would personally have a little more in large cap, but we are not entering a bear market.
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 8:17 am to LSUSUPERSTAR
I've gotten more aggressive as I've hit my mid forties. But, I've got a career that I can work into my late 70s if things go to crap for an extended period during my late 60s or so.
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 8:40 am to notsince98
quote:but those allocations change naturally since they don't yield the same return, which is why you at least need to be active and rebalance every once in a while
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.
Posted on 2/6/18 at 8:50 am to windshieldman
quote:CNN Money had it on their home page about ten minutes ago
Who the hell decided we are in a bear market?
Posted on 2/6/18 at 8:54 am to Machine
Isn't a bear market defined as a 25% decline?
Posted on 2/6/18 at 8:56 am to Janky
quote:its CNN
Isn't a bear market defined as a 25% decline?
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 12:07 pm to castorinho
quote:
but those allocations change naturally since they don't yield the same return, which is why you at least need to be active and rebalance every once in a while
Here, let me bold it for you:
quote:
pick your long term allocations regardless of market. Keep pouring money in and maintain the allocation percentages.
Posted on 2/6/18 at 12:37 pm to Crescent Connection
Posted on 2/6/18 at 12:39 pm to Crescent Connection
Go aggressive with it and check it once a year.
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