| 401K Investment Portfolio |
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johnnycat5
First Time Poster
Cash: $ 0.25
Posts: 1
Joined: 14 Dec 2010
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| 401K Investment Portfolio |
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Hello,
Can you please give me your opinion on my investments choices and allocations? I am 30, work for a large media company, and am investing about $8,000 a year into my 401k. Being that I have time on my side, I have more tolerance for risk. I also tried to choose those funds with smaller expense ratios.
BlackRock S&P 500 Index-F 20.0%
Dodge & Cox Value Equity 30.0%
BlackRock Midcap Equity Index-F 10.0%
DFA U.S. Small Cap-I 15.0%
Capital Guardian International (Non-U.S.) Equity 22.0%
Company Stock Fund Class B 3.0%
Other funds that are available to me are:
INVESCO Stable Value
EB CIS Non-SL Aggregate Bond Index
Vanguard LifeStrategy Conservative Growth
Vanguard LifeStrategy Moderate Growth
Vanguard LifeStrategy Growth
Mellon Capital Asset Allocation
Vanguard FTSE Social Index Fund-Inv
Wellington Growth Portfolio
DFA U.S. Small Cap-I
Capital Guardian Emerging Markets Equity
Thank you for your feedback.
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Tue Dec 14, 2010 5:07 pm |
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sFinanceculture
New Member
Cash: $ 0.80
Posts: 4
Joined: 21 Jan 2011
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| 401K Investment Portfolio |
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Retirement plans are important and knowing where and how to invest is the key to a satisfactory retirement plan. The 401k allows one to invest well for the future. The strategies are fairly simple. Best way would be if one stuck to low cost index funds.
The contributions made to the account should be fairly large, ensuring a higher yield at retirement. This does not how ever mean that the investment methods should be the high risk ones. One should find out about their companies policies on matching their contributions as it adds to the yield in the long run. Some companies do not have a pension plan and thus offer to match their employees’ contributions. Thus a larger contribution would mean that the company would match that equally large amount.
Other strategies would be to consider long-term investments which protect the contributions and minimizes loss. The return might be slightly less but it’s a more secure method than quick, short term investments. Having a proper portfolio helps in the long run. One should spread one’s assets so that the risk of loss is reduced. Thus high mutual funds should be avoided unless one is willing to take the risk of losing a considerable amount of money. This diversification enables one to maintain a balance and thus prevents a larger loss.
One should invest wisely when one starts thinking of the future. Investing aggressively and compulsively will have adverse effects on one’s investments. One should never gamble with the main capital. That could mean financial disaster. Invest smartly. Maximum amounts should be contributed annually so that when the time comes, one need not worry about anything and just enjoy a fruitful retirement. As expenses become higher, it is advisable to start saving for that rainy day.
Thanks.........
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Fri Jan 21, 2011 9:03 am |
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