I’m not that experienced of an investor. Some things here and there. I know how to not lose my shirt and make steady returns. You’re not going on a summer vacation based off my investment advice and I don’t try to give it.

I have pretty much split my 401 account into two mutual funds. Some targeted retirement date account with Vanguard and a Blackrock Equity Index T.

Obviously I don’t care about these carona losses.

Is this a good way to have your funds allocated or should I have it spread out among more funds?

Still young, 34.

This post was edited on 3/31/20 at 9:03 pm

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Posted by jimbeam

University of LSU

Member since Oct 2011

75703 posts

Posted on 3/31/20 at 9:08 pm to DiamondDog

90 total stock
10 total bond

So 2 funds

This post was edited on 3/31/20 at 9:25 pm

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Posted by castorinho

13623 posts

Member since Nov 2010

82031 posts

Posted on 3/31/20 at 9:09 pm to DiamondDog

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Posted by ItzMe1972

Member since Dec 2013

9801 posts

Posted on 3/31/20 at 9:20 pm to DiamondDog

Three or four.

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Posted by BayouBengalRubicon

Baton Rouge

Member since Dec 2019

379 posts

Posted on 3/31/20 at 9:35 pm to DiamondDog

I have 80% of my 401K in a very low fee indexed S&P500 fund, the rest split around other funds and some company stock. I'm same age and in all stocks currently.

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Posted by JetsCoach

Bossier City

Member since Dec 2017

769 posts

Posted on 3/31/20 at 9:47 pm to DiamondDog

quote:
Still young, 34.

Congrats, you have the correct horse sense. You should do well over your peak earning years. You shouldn't have bonds. Where interest are today, you could be down 50% or more in value if rates rise. I've been there done that.
3 to 4 funds at most. That should increase as your account grows.

One piece of advice that I have learned over many years in the markets;
Concentrate on saving money. The rest will come a lot easier.

This post was edited on 3/31/20 at 11:11 pm

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Posted by TheWiz

Third World, LA

Member since Aug 2007

11679 posts

Posted on 3/31/20 at 10:01 pm to jimbeam

I can't remember.
I'm either 100% VTSAX
or
95% VTSAX 5% Whatever the Vanguard Admiral Bond is.

RIRA is 100% VTSAX
Wife's RIRA is 100% VTI

We are 35/34

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Posted by Mr.Perfect

Louisiana

Member since Mar 2013

17438 posts

Posted on 4/1/20 at 6:28 am to DiamondDog

Cash

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Posted by notsince98