403 b conversion

[mcguiret]

I'm currently rolling over a crap 403b from Axa into Vanguard 403b. My Axa account is 90% stock with most being large cap growth funds. Anyway, I'm trying to pick vanguard funds. It crossed my mind that I should roll some into funds that are currently low - like vanguard energy. Bad idea? Should I just stick to broader index funds? My current Axa value is 50k and I'm 34.


Sent from my iPhone using Early Retirement Forum

 

[pb4uski]

While I think it is probably better/easier to stick to broad based funds, if you want to take 10% and make a small tilt/bet on a downtrodden sector, it would not be the end of the world.

 

[yakers]

You could post the question on 403bwise.com,but they are pretty bogleish there and likely to recommend index funds as the expense ratios are good. I too would recommend a market wide index fund, you are still young to have a long accumulation phase so dollar cost averaging intern index fund isa simple way to invest and get with the rest of your life. The VG Bogleheads may suggest tilting small cap and value,you could consider that.