What Percentages in each cat should I do in 401K?

Yes. It's the best investment opportunity since the early 80's.

Tomorrow may be better, but still.

quote:

---

With the way things are going, I was wondering if I should continue to do it. Lots of folks are telling me to, but I just don't know...... Let me know what you think...

---

Yes, depending on your investment choices.

I cut mine back to the company match (6%) a couple of months ago. Not sure if this was the right thing to do longterm but made me feel better for now while I watch how things unfold. Can always increase again anytime I choose.

I've kept mine up, but it all goes into a treasury backed fund.

If you can you should keep the levels up.... but no where does it say you have to put in equities.... I am maxing out and in Tbills.... dont believe the best time to invest crap unless you reach that conclusion yourself... the same folks who push that tend to be the ones who never saw it coming (one exception - Hussman). Look at those who called this as a sounding board (as opposed to mustard seed pollyannas). Roubini, Schiff, Brooks, Schill are good starting points.

The biggest challenge I see in the market right now is, if you believe stocks tend to trade as a multiple of future earnings, the S&P is trading at about 11 times 09 earnings estimates... which is not that unreasonable... until you realize the 09 estimates are based upon 10% growth from 08. You input a more realistic estimate and the number is ugly.

Add in housing has a ways to go to (housing historically is very consistent with income to price ratios and will correct back with some pendulum overswing due to the dramatic over supply of homes compared to family units). Credit cards are the next securitized time bomb and CDS still linger like the 800 pound gorilla.

The stock market tends to turn before the real economy... but there is still way too much work to do (and long term gains will be impaired by current government action.... the trillions spent will have to be recaptured at some point through taxation and heaven knows it will not be the 40% that pay nothing in income taxes that will have to do this)... thus you are looking at cap gains, dividends and corp taxes going up.

Merry Christmas.

Mine is going back to 5% in January (that's as early as I can change it). Just enough to get the full company match...

i upped mine to 30%

quote:

---

company just announced they no longer match up to 6% We all knew it was coming. So now what?

---

You should still do 15% or more.

Now what to invest it in is another question.

quote:

---

You should still do 15% or more.

Now what to invest it in is another question.

---

thanks Cash. i am still doing 15. what would u do?

quote:

---

I've kept mine up, but it all goes into a treasury backed fund.

---

Keeping mine maxed... thanks for pointing out there is no law that 401K's must go in equities... seriously people seem to forget that.