I am going to turn 40, married and have an 11 year old and a 6 year old. I am worried about retirement. I would love to be able to retire early but not sure how to go about it. I have a 401k but as everyone knows, the stock market is not so good anymore. I will have my house payed off if all goes well by the time my daughter is 18 and needing money for college. I dont have a very good mind for investing concerning my 401k. Here is my investments as of today:
JPMorgan U.S. Equity A
Large Cap Stock - Blend
Fidelity Magellan Fund
Large Cap Stock - Growth
Dreyfus Opportunistic Midcap Value A
Mid Cap Stock - Blend
Franklin Small-Mid Cap Growth Fund
Mid Cap Stock - Growth
Janus Wordwide Fund Class T
Global Stock - Growth
These are my total options for 401k investments:
Stable Value
Union Bank Stable Value Fund A 1187,1261,1262,1263,1264,1391,UB01 Fund Summary
0.20%
0.99%
2.57%
3.43%
3.81%
Fixed Income - Money Market
HighMark Diversified Money Market Fid HMDXX 0003,0006,0029,0035 Fund Summary
0.00%
0.01%
0.07%
2.29%
2.09%
0.76%
Fixed Income - Intermediate Bond
Highmark Bond Fund HMBDX 0006,0029,0035,1254 Fund Summary
1.01%
1.06%
6.88%
6.88%
5.63%
1.01%
Balanced - Value
Dodge & Cox Balanced Fund DODBX 0006,0029,0035 Fund Summary
-0.38%
4.92%
21.70%
2.80%
5.85%
0.53%
Large Cap Stock - Value
Fidelity Equity Income Fund FEQIX 0006,0029,0035 Fund Summary
-1.58%
6.44%
23.88%
1.48%
2.92%
0.69%
Large Cap Stock - Blend
Fidelity Spartan U.S. Equity Index FUSEX 0006,0029,0035,1476 Fund Summary
-1.14%
5.91%
25.88%
3.27%
2.55%
0.10%
JPMorgan U.S. Equity A JUEAX Fund Summary
-1.64%
4.68%
23.64%
5.46%
3.28%
1.08%
Large Cap Stock - Growth
American Funds Growth Fund of Amer R3 RGACX 0006,0029,0035 Fund Summary
-1.73%
5.24%
23.57%
3.02%
3.67%
0.97%
Fidelity Magellan Fund FMAGX 0006,0029,0035 Fund Summary
-2.22%
5.43%
21.29%
1.06%
0.78%
0.60%
HighMark Large Cap Growth Fid HMGRX 0006,0029,0035 Fund Summary
-1.84%
4.95%
25.27%
4.21%
1.63%
1.21%
Mid Cap Stock - Value
Lord Abbett Mid-Cap Value P LMCPX 0006,0029,0035 Fund Summary
-0.57%
8.03%
33.54%
3.35%
6.34%
1.25%
Mid Cap Stock - Blend
Dreyfus Opportunistic Midcap Value A DMCVX 0006,0029,0035,1569 Fund Summary
-0.57%
9.83%
34.37%
9.33%
7.35%
1.18%
Mid Cap Stock - Growth
Franklin Small-Mid Cap Growth Fund FRSGX 0006,0029,0035,0042 Fund Summary
-2.36%
8.42%
35.15%
6.33%
4.42%
1.06%
Small Cap Stock - Blend
Wells Fargo Advantage Sml Cap Value A SMVAX 0006,0029,0035,0042 Fund Summary
-3.34%
4.09%
20.08%
5.75%
9.91%
1.36%
Global Stock - Growth
Janus Wordwide Fund Class T JAWWX 0006,0029,0035,0141,1325,1538 Fund Summary
-2.96%
3.14%
26.14%
2.95%
0.35%
0.92%
International Stock - Blend
Fidelity Advisor Diversified International Fund FADIX 0006,0029,0035,0141 Fund Summary
-3.12%
3.08%
30.22%
-0.41%
5.87%
1.55%
Thornburg International Value Fund R3 TGVRX 0006,0029,0035,0141 Fund Summary
-2.50%
4.20%
31.21%
6.25%
8.77%
1.63%
I am just at a loss right now. My dad is hoping to retire in about 2 years but I am worried they will run out of money or I might end up taking care of him and my mom. Just a little scared right now.
JPMorgan U.S. Equity A
Large Cap Stock - Blend
30%
Fidelity Magellan Fund
Large Cap Stock - Growth
25%
Dreyfus Opportunistic Midcap Value A
Mid Cap Stock - Blend
25%
Franklin Small-Mid Cap Growth Fund
Mid Cap Stock - Growth
10%
Janus Wordwide Fund Class T
Global Stock - Growth
10%
These are my total options for 401k investments:
Stable Value
Union Bank Stable Value Fund A 1187,1261,1262,1263,1264,1391,UB01 Fund Summary
0.20%
0.99%
2.57%
3.43%
3.81%
Fixed Income - Money Market
HighMark Diversified Money Market Fid HMDXX 0003,0006,0029,0035 Fund Summary
0.00%
0.01%
0.07%
2.29%
2.09%
0.76%
Fixed Income - Intermediate Bond
Highmark Bond Fund HMBDX 0006,0029,0035,1254 Fund Summary
1.01%
1.06%
6.88%
6.88%
5.63%
1.01%
Balanced - Value
Dodge & Cox Balanced Fund DODBX 0006,0029,0035 Fund Summary
-0.38%
4.92%
21.70%
2.80%
5.85%
0.53%
Large Cap Stock - Value
Fidelity Equity Income Fund FEQIX 0006,0029,0035 Fund Summary
-1.58%
6.44%
23.88%
1.48%
2.92%
0.69%
Large Cap Stock - Blend
Fidelity Spartan U.S. Equity Index FUSEX 0006,0029,0035,1476 Fund Summary
-1.14%
5.91%
25.88%
3.27%
2.55%
0.10%
JPMorgan U.S. Equity A JUEAX Fund Summary
-1.64%
4.68%
23.64%
5.46%
3.28%
1.08%
Large Cap Stock - Growth
American Funds Growth Fund of Amer R3 RGACX 0006,0029,0035 Fund Summary
-1.73%
5.24%
23.57%
3.02%
3.67%
0.97%
Fidelity Magellan Fund FMAGX 0006,0029,0035 Fund Summary
-2.22%
5.43%
21.29%
1.06%
0.78%
0.60%
HighMark Large Cap Growth Fid HMGRX 0006,0029,0035 Fund Summary
-1.84%
4.95%
25.27%
4.21%
1.63%
1.21%
Mid Cap Stock - Value
Lord Abbett Mid-Cap Value P LMCPX 0006,0029,0035 Fund Summary
-0.57%
8.03%
33.54%
3.35%
6.34%
1.25%
Mid Cap Stock - Blend
Dreyfus Opportunistic Midcap Value A DMCVX 0006,0029,0035,1569 Fund Summary
-0.57%
9.83%
34.37%
9.33%
7.35%
1.18%
Mid Cap Stock - Growth
Franklin Small-Mid Cap Growth Fund FRSGX 0006,0029,0035,0042 Fund Summary
-2.36%
8.42%
35.15%
6.33%
4.42%
1.06%
Small Cap Stock - Blend
Wells Fargo Advantage Sml Cap Value A SMVAX 0006,0029,0035,0042 Fund Summary
-3.34%
4.09%
20.08%
5.75%
9.91%
1.36%
Global Stock - Growth
Janus Wordwide Fund Class T JAWWX 0006,0029,0035,0141,1325,1538 Fund Summary
-2.96%
3.14%
26.14%
2.95%
0.35%
0.92%
International Stock - Blend
Fidelity Advisor Diversified International Fund FADIX 0006,0029,0035,0141 Fund Summary
-3.12%
3.08%
30.22%
-0.41%
5.87%
1.55%
Thornburg International Value Fund R3 TGVRX 0006,0029,0035,0141 Fund Summary
-2.50%
4.20%
31.21%
6.25%
8.77%
1.63%
I am just at a loss right now. My dad is hoping to retire in about 2 years but I am worried they will run out of money or I might end up taking care of him and my mom. Just a little scared right now.