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Started By
Message
S & P 500 Index Fund
Posted on 1/25/18 at 8:43 am
Posted on 1/25/18 at 8:43 am
Would you reallocate savings within a 401K plan to the S & P Index Fund at today's values? I have missed gains since October sitting on the sideline with the plan's Stable Value Fund (CD's, Treasuries, and Muni-bonds etc.)? Would it be more advisable to wait longer for a correction? Why?
1. I do have older mutual fund stock IRA's that have done well with the market upturn. I also have few shares(non tax-deferred) of the Dodge & Cox Stock Mutual Fund, little debt, and emergency cash available.
2. There is no transaction fees within the company plan. For the last several years I have done well timing the market and gleaning profits by moving to and from stable value with company stock and the Index Fund but have missed the mark with the recent rally.
3. I recognize that we cannot predict the future but I have not been greedy with the concept of buying low and selling high.
5. All of our circumstances are different but what would you do and why?
1. I do have older mutual fund stock IRA's that have done well with the market upturn. I also have few shares(non tax-deferred) of the Dodge & Cox Stock Mutual Fund, little debt, and emergency cash available.
2. There is no transaction fees within the company plan. For the last several years I have done well timing the market and gleaning profits by moving to and from stable value with company stock and the Index Fund but have missed the mark with the recent rally.
3. I recognize that we cannot predict the future but I have not been greedy with the concept of buying low and selling high.
5. All of our circumstances are different but what would you do and why?
5
Posted on 1/25/18 at 9:29 am to CharleyLake
quote:
we cannot predict the future
This. I put cash in VTI a few weeks ago. There’s no way to time it. You may want to divide it up and transfer over a few months or a year if you’re worried about it tanking right after buying.
Posted on 1/25/18 at 11:08 am to CharleyLake
If you've been lucky thus far timing the market, great. Probably time to step away from the roulette wheel, though.
Posted on 1/25/18 at 11:45 am to Joshjrn
I cannot liken it to luck or a roulette wheel. It is more of discliplined buying on the pullbacks. One-half available for company stock, one-half available for the index fund. First purchase is 50%, then 25%, the then 25%, then wait for the upturn. I have been satisfied with about 12>15 annual rebalancing the portfolio occassions by accepting small gains each time as there are no "trading expenses."
The 2017 401K plan had only 7.11% return which was likely exceeded by yours and everyone else. 2017 was the first year that I was unable to exceed the major indices since the last recession. I suspect that it is mostly due to the lack of brokerage costs. As you can correctly guess I have failed to make any profit thusfar in 2018.
The question remains is whether to buy in now or wait for a pullback.
The 2017 401K plan had only 7.11% return which was likely exceeded by yours and everyone else. 2017 was the first year that I was unable to exceed the major indices since the last recession. I suspect that it is mostly due to the lack of brokerage costs. As you can correctly guess I have failed to make any profit thusfar in 2018.
The question remains is whether to buy in now or wait for a pullback.
Posted on 1/25/18 at 12:12 pm to CharleyLake
Don't be this guy 
Posted on 1/25/18 at 12:13 pm to CharleyLake
quote:said some brilliant people at 20,000
The question remains is whether to buy in now or wait for a pullback.
Posted on 1/25/18 at 12:46 pm to jimbeam
Sure, the capacity for the experts to be wrong cannot be overerestimated.
Posted on 1/25/18 at 4:45 pm to Joshjrn
quote:
If you've been lucky thus far timing the market, great. Probably time to step away from the roulette wheel, though.
This^
Posted on 1/25/18 at 4:47 pm to CharleyLake
How old are you and how much longer are you going to work and invest?
ETA: Assuming you still have a long way to go, I would get back in there even though it "feels" like you are buying high. I cannot stand watching my investments get no return and I would be willing to accept the risk of losing some before inevitably gaining it back as opposed to just watching things pass me by.
ETA: Assuming you still have a long way to go, I would get back in there even though it "feels" like you are buying high. I cannot stand watching my investments get no return and I would be willing to accept the risk of losing some before inevitably gaining it back as opposed to just watching things pass me by.
This post was edited on 1/25/18 at 4:50 pm
Posted on 1/25/18 at 5:17 pm to CharleyLake
Heavy international and emerging markets. Valuations are much lower. Still keep some domestic equity.
If you can make sector bets go
Financials
Industrials
Healthcare
Tech (semi conductors)
If you can make sector bets go
Financials
Industrials
Healthcare
Tech (semi conductors)
Posted on 1/25/18 at 8:46 pm to elposter
I agree with you relating to the no return comment. I have decided to transfer 25% stable value to the S & P Index Fund to start with.
I am retired and receive Social Security and are fortunate enough to collect a traditional monthly pension but I hope that I "have a long way to go."
I will report the results in a month. Thanks.
I am retired and receive Social Security and are fortunate enough to collect a traditional monthly pension but I hope that I "have a long way to go."
I will report the results in a month. Thanks.
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