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re: Do I have my 401k% in the right funds?
Posted on 6/14/24 at 11:03 am to Diseasefreeforall
Posted on 6/14/24 at 11:03 am to Diseasefreeforall
quote:
Maybe this will be unpopular but I'd just go with VTWAX to add international exposure.
Not at all! That's actually an interesting alternative. Did some research on it. Vanguard also offers VT, which would offer a little lower fee. $0 minimum investment.
Analysis
Comparison
0
Posted on 6/14/24 at 2:04 pm to Rize
quote:
Most of the people I work with have their 401k at 50% to 100% of our stock.
They've never heard of Enron?
Posted on 6/14/24 at 10:22 pm to GlazedDitchdigger
get out of the vanguard small cap and add the 3-5% into the s&p fund
Posted on 6/15/24 at 11:32 am to Rize
quote:
Artisan Mid Cap 5% Mix 4.38% return
Vanguard Small Cap Institutional 5% Mix 3.77% return
12 years annualized?
That seems really shitty
Posted on 6/15/24 at 12:58 pm to kaaj24
How old are you and how much longer do you plan to work?
Everyone has different time, risk tolerance, objectives. Anyone who even makes a suggestion without knowing your position is not worth listening to.
Some simple rules I follow, which you may want to consider, if they fit your position....
When rates are low, stocks will grow. Even interest rates have moved up from historic lows, they are still relatively low.. I have some large cap funds, and some sector funds.. Tech has blown up, but my healthcare funds have flattened out, I've got 5 to 10 years before touching that IRA money. ..
As rates move up, start shifting money into mutual fund money markets... Safe and rides up with interest.... when rates are high and falling, which we haven't seen in a while, but I certainly remember... Bonds lock in high rates for the ride down. Then back into equity funds.
Have fun
Everyone has different time, risk tolerance, objectives. Anyone who even makes a suggestion without knowing your position is not worth listening to.
Some simple rules I follow, which you may want to consider, if they fit your position....
When rates are low, stocks will grow. Even interest rates have moved up from historic lows, they are still relatively low.. I have some large cap funds, and some sector funds.. Tech has blown up, but my healthcare funds have flattened out, I've got 5 to 10 years before touching that IRA money. ..
As rates move up, start shifting money into mutual fund money markets... Safe and rides up with interest.... when rates are high and falling, which we haven't seen in a while, but I certainly remember... Bonds lock in high rates for the ride down. Then back into equity funds.
Have fun
This post was edited on 6/15/24 at 10:26 pm
Posted on 6/15/24 at 1:53 pm to Fat Bastard
quote:
GTFo target date funds and dump EJ
I wish I would've gotten out of Target funds sooner but I was so busy and to be fair, I was being lazy that I just figured they'd be fine. I missed a lot of money by not simply having them in an S&P500 fund.
At this point my i401k is Schwab S&P500 (70%), International (28%), and then 2% in Emerging Markets and Bond. My Roth is all VTSAX and I have a big chunk of VOO sitting in my brokerage.
Posted on 6/17/24 at 12:29 pm to Sho Nuff
quote:
I missed a lot of money by not simply having them in an S&P500 fund.
yup. i made same mistake not pouring more into SPY or VOO after the covid crash in 2020.
Posted on 6/17/24 at 1:56 pm to Rize
I'm not offering financial advice, but I simply don't get a bag of funds that has both lifecycle dates (and multiple ones at that) AND sector/subsector/index funds.
If you want lifecycle performance, pick a target year and roll with it. If you like a different mix, roll with the different mix. It is beyond my understanding why someone would do both.
If you want lifecycle performance, pick a target year and roll with it. If you like a different mix, roll with the different mix. It is beyond my understanding why someone would do both.
This post was edited on 6/17/24 at 1:59 pm
Posted on 6/18/24 at 8:30 am to Rize
I get the advice to limit company stock, but don't be so quick to ignore the good returns it is getting. I made more money off of my comany stock than I ever expected.
I would split between s&p500 and company stock with the s&p getting most. A 75-25 split might be a good mix. Set a reminder on your calendar to revisit annually. Annual changes might not be needed, but you should at least look at it.
I would split between s&p500 and company stock with the s&p getting most. A 75-25 split might be a good mix. Set a reminder on your calendar to revisit annually. Annual changes might not be needed, but you should at least look at it.
Posted on 6/18/24 at 2:43 pm to Rize
S&P’s the choice for me
Posted on 6/20/24 at 8:17 am to KennytheTiger
Here’s my new mix for current funds and future investing:
11% DFA Large Cap Value
28% Vanguard1000 Growth Index Fund VRGWX
31% Fidelity Index 500 Fund
30 % Company Stock
Got out of the target funds, small cap and Mid. Went from 8 funds/stocks to 4.
11% DFA Large Cap Value
28% Vanguard1000 Growth Index Fund VRGWX
31% Fidelity Index 500 Fund
30 % Company Stock
Got out of the target funds, small cap and Mid. Went from 8 funds/stocks to 4.
This post was edited on 6/20/24 at 8:18 am
Posted on 6/20/24 at 6:16 pm to Rize
that looks very good.... update us in 20yrs. lol
Posted on 6/20/24 at 7:56 pm to Rize
Improved!
Posted on 6/20/24 at 10:07 pm to lynxcat
quote:
Improved
I’m learning. The one thing I didn’t do is move money out of my company stock but we have a 4 to 1 stock split coming in September so I didn’t want to change that.
Posted on 6/21/24 at 9:41 am to Rize
Good moves. You might check the expense ratio on your funds. They can vary quite a bit. You still have 3 large cap funds that might warrant further consolidation if the you are paying more to own one of these. The DFA large cap likely costs more than the 500 one, but not necessarily be worth it in comparison.
Posted on 6/22/24 at 12:03 am to KennytheTiger
They range from .017% to .032%.
Funny you mentioned that because the company I work for just settled a class action lawsuit for high 401k fees.
Funny you mentioned that because the company I work for just settled a class action lawsuit for high 401k fees.
Posted on 6/22/24 at 7:37 am to Rize
A group petitioned for the Russell1000/2000 to get added to our company choices. They are ridiculously low on expense. Something like .05.
Posted on 6/22/24 at 7:48 am to Rize
quote:
I’m learning.
did you dump EJ yet? if not that is not learning.
Posted on 6/22/24 at 1:04 pm to Fat Bastard
Nah. The particular brokerage company is miniscule to this conversation.
Posted on 6/22/24 at 1:22 pm to Fat Bastard
quote:
did you dump EJ yet? if not that is not learning.
No.
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