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UPDATE: 401k advice- which to pick?

Posted on 1/15/25 at 1:56 pm
Posted by xBirdx
Member since Sep 2018
1199 posts
Posted on 1/15/25 at 1:56 pm
JPMCB smart retirement passive blend 2045 find- class CF-D

Vs

Northern Trust Collective s&p 500 index fund-dc-non lending

Early 40s here….looking to set it and forget it for the most part- ok changing up yearly or so.

TIA
This post was edited on 1/17/25 at 12:56 pm
Posted by CougarBait
on catnip in a cougar's den
Member since Jun 2007
2009 posts
Posted on 1/15/25 at 2:08 pm to
The S & P index one. Those target date funds suck. Withe the S & P index you will ne well diversified among stocks and mirror the benchmark for the US stock market. You don’t want bonds at your age
Posted by Sir Saint
1 post
Member since Jun 2010
5431 posts
Posted on 1/15/25 at 3:29 pm to
quote:

Northern Trust Collective s&p 500 index fund-dc-non lending
Posted by 3D
NJ
Member since Sep 2013
1215 posts
Posted on 1/16/25 at 12:57 am to
3/3 on the S&P
Posted by KWL85
Member since Mar 2023
2276 posts
Posted on 1/17/25 at 9:51 am to
4/4 on the s&p500.

But make sure you build an emergency fund. Keep enough money in it that you should never need to pull money out of stocks in a major downturn.
Posted by xBirdx
Member since Sep 2018
1199 posts
Posted on 1/17/25 at 12:58 pm to
Update: current and future funds moved

Next question: when should I look to change this?

I’m assuming…15ish years? In my late 50s…
Posted by KWL85
Member since Mar 2023
2276 posts
Posted on 1/18/25 at 8:59 am to
No need to try to decide when to change. The answer could be never. Your financial picture that far into the future will likely be quite different.
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