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Best 401k stocks
Posted on 6/5/23 at 1:39 pm
Posted on 6/5/23 at 1:39 pm
Did you follow the age one or get a stock expert??
5
Posted on 6/5/23 at 1:44 pm to Winslow
quote:
Did you follow the age one or get a stock expert??
Based on this, I recommend you stick to low cost whole market index funds. VTI, for example.
Posted on 6/5/23 at 1:57 pm to Costanza
Every 401k is different. Would need to see your options
Posted on 6/5/23 at 1:59 pm to Winslow
quote:
Did you follow the age one
???? You mean a TARGET DATE MUTUAL FUND???
no hell no
quote:
get a stock expert??
what you need to get is get into reading the STICKY THREAD AND EDUCATE YOURSELF
Posted on 6/5/23 at 1:59 pm to Winslow
My allocation is…
25% VIGIX (growth)
25% VIVIX (value)
25% VMGMX (mid-cap growth)
25% VSCIX (small-cap index)
I’m in the camp that international funds are not what they use to be 20+ years ago. The higher fees deterred me.
I’m 37 by the way. Plan on leaving it like this until at least 50 for the time being.
25% VIGIX (growth)
25% VIVIX (value)
25% VMGMX (mid-cap growth)
25% VSCIX (small-cap index)
I’m in the camp that international funds are not what they use to be 20+ years ago. The higher fees deterred me.
I’m 37 by the way. Plan on leaving it like this until at least 50 for the time being.
Posted on 6/5/23 at 2:23 pm to Crescent Connection
quote:
Crescent Connection
No International? I'm in a similar breakdown as you, also similar age, but I think it's wise to have some exposure to International indexes. Mine is currently 10% to large cap international and 5% to emerging markets.
Posted on 6/5/23 at 2:44 pm to Fat Bastard
What is your issue with Target Dates?
Posted on 6/5/23 at 6:38 pm to skewbs
I agree it is probably wise to be exposed to international/emerging markets, but those funds have followed domestic stocks almost identically since the turn of the century, while slightly underperforming domestic in that timeframe. I just don’t see enough diversification to warrant spending the extra in fees for international/emerging.
Posted on 6/5/23 at 7:06 pm to Winslow
100% VFIAX is the best imo for those more than 10 years to retirement. With that being said, wait another year and by the dip on the market. This is a bear market rally.
Posted on 6/5/23 at 9:35 pm to Crescent Connection
quote:
those funds have followed domestic stocks almost identically since the turn of the century
Certainly not trying to convince you on how to invest, but past performance should not be used as a reliable predictor of future success.
Posted on 6/5/23 at 10:41 pm to skewbs
I think 15% total allocation to international/emerging is probably the best option for our age group. And while I was typing my previous post, I was thinking to myself that same financial statement that is driven to every investors' brain. I dunno, I may reduce small and mid-cap by 7.5% each and allocate 15% into international/emerging soon. I need to read over the overview of these stocks.
Posted on 6/6/23 at 1:20 am to jsk020
This is the only response that’s helpful lol
We’d need to see what options you have available in your plan before advising. Knowing your age might help as well.
Also, there’s nothing wrong with a target date fund. It’s probably the best choice next to a VTSAX equivalent. It’s the best and most balanced choice for someone who doesn’t plan on keeping up with their investments or doesn’t understand about investing.
So based off no other information but the original post, I’d suggest doing the target date fund
We’d need to see what options you have available in your plan before advising. Knowing your age might help as well.
Also, there’s nothing wrong with a target date fund. It’s probably the best choice next to a VTSAX equivalent. It’s the best and most balanced choice for someone who doesn’t plan on keeping up with their investments or doesn’t understand about investing.
So based off no other information but the original post, I’d suggest doing the target date fund
Posted on 6/6/23 at 1:46 pm to Auburn80
quote:Don't know about Fat Bastard's issue, but mine is the high fee with the product.
What is your issue with Target Dates?
Posted on 6/6/23 at 2:22 pm to Winslow
Age 43
My 401k Breakdown
30% VANG 500 Index Trust
24% FID GR CO POOL CL 3
21% WM BLAIR SMID CAP GR
17% VANGUARD TARGET 2050
8% FID CONTRA POOL CL 3
My 401k Breakdown
30% VANG 500 Index Trust
24% FID GR CO POOL CL 3
21% WM BLAIR SMID CAP GR
17% VANGUARD TARGET 2050
8% FID CONTRA POOL CL 3
Posted on 6/6/23 at 8:18 pm to RoyalWe
quote:
Don't know about Fat Bastard's issue, but mine is the high fee with the product.
Understand that, but some are very low. Vanguard’s is just .12% which is well below regular mutual funds but higher than index funds. I guess somebody has to monitor and rebalance them as they age.
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