Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Changed My 401k Allocation Today
Old 03-23-2006, 01:48 PM   #1
Confused about dryer sheets
Join Date: Mar 2006
Posts: 4
Changed My 401k Allocation Today

I have been 100% S&P 500 index with my 401k the last few years.* I felt like I needed to diversify a little bit, even though I was fine with S&P.* My age is 33 and I have about $50,000 in 401k so far.* I am now contributing 20% of my income to it which gets me almost to $14000/yr.

Here's how I divided it today:

50% S&P 500 index
30% Russell 2000 index
20% International index

I went with the 3 indexes offered through our program for now.* Any thoughts about how I have it divided up?

Our Company offers the following investment options-

Lifecycle Funds:
Lifecycle Retirement Fund
Lifecycle 2010 Fund
Lifecycle 2020 Fund
Lifecycle 2030 Fund
Lifecycle 2040 Fund

Indexed Funds:
Bond Market Index Fund
Balanced Index Fund
S&P 500 Index Fund
International Index Fund
Russell 2000 Index Fund

Actively managed:
VIP Stable Value Fund
Large Companies Value Fund
Large Companies Core Fund
Large Companies Growth Fund
Large Co. International Fund
Small/Mid Co Value Fund
Small/Mid Co Growth Fund
Science and Technology Fund

Boeing Stock Fund

I am relatively new to allocating investments and was looking for some opinions.

GTBuzz is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: Changed My 401k Allocation Today
Old 03-23-2006, 02:06 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 7,662
Re: Changed My 401k Allocation Today

Did you read this: ?

LOL! is offline   Reply With Quote
Re: Changed My 401k Allocation Today
Old 03-23-2006, 02:08 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
brewer12345's Avatar
Join Date: Mar 2003
Posts: 15,910
Re: Changed My 401k Allocation Today

Sounds fine to me. I guess I might be inclined to suggest dropping the S&P 500 fund down 10 or 20% in favor of the stable value fund, but its fine the way it is if you have a reasonably high risk tolerance.
"Neither my companion or I carry firearms on our persons. We depend on the goodwill of our fellow man and the forbearance of reptiles."

- English Bob
brewer12345 is offline   Reply With Quote
Re: Changed My 401k Allocation Today
Old 03-24-2006, 10:21 AM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
mickeyd's Avatar
Join Date: Apr 2004
Location: South Texas~29N/98W
Posts: 5,664
Re: Changed My 401k Allocation Today

It's difficult to comment on you allocation since you do not state what your entire portfolio looks like. If this is all that you have in investments, it may be too agressive as 100% equities seldom rewards the risk taker with returns that reflect this much risk.
Part-Owner of Texas

Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx

In dire need of: faster horses, younger woman, older whiskey, more money.
mickeyd is offline   Reply With Quote
Re: Changed My 401k Allocation Today
Old 03-24-2006, 11:29 AM   #5
Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 2,674
Re: Changed My 401k Allocation Today

At your age 100% equities may be OK but remember to diversify a bit in the coming years. And look closely at the Lifcycle funds, if you want to be more agressive just chose one further out than your anticipated retirement date. These are usually diversified and rebalance and shift asset allocations as they age. I have 85% of my 401k type account (TSP program) in a Lifcycle fund. But you want to consider any other holdings in Roths, after tax funds, and cash to fit everything together.
T.S. Eliot:
Old men ought to be explorers
yakers is offline   Reply With Quote


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Asset Allocation: Effective but not feasible? Hillbilly FIRE and Money 20 04-28-2007 10:02 PM
default allocation vs. LV & Corp Bond kat FIRECalc support 1 06-04-2006 03:27 PM
using 401k loan for downpayment usc_et Young Dreamers 20 10-30-2005 09:11 AM
Roth 401k - Coming January 2006 Roth401k Other topics 12 06-16-2005 04:59 PM
Non-deductible 401k contributions friendlygirl FIRE and Money 3 07-01-2002 10:01 AM


All times are GMT -6. The time now is 09:57 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.