Almost time to talk 401k allocations.
I have majority of my contributions allocated to target date retirement funds, but I've heard that those funds have lots of fees, and it's better to allocate to s&p500. What do your portfolios look like?

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Target date funds are awful, bottom of the barrel funds. If you’re under 50, everything should be in growth/S&P 500 funds. Over 50, you can incorporate some fixed income (no more than 25% of portfolio).

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I'm weighing the pros and cons, but S&P 500 is starting to look better. Aside from the fees taken out of the target date funds, S&P 500 might be less volatile.

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I've read that the target fund are less volatile due to flow they load up on bonds as they approach the target date

60/40 split and reallocate quarterly ( lg cap/ nasdaq) great growth. No bonds

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No Dow Jones industrial index in that mix?

This is why I pay my FA the big bucks. LOL

What kind of fees does your advisor charge?

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