How should I split my 401k (percentage wise) between Large/med/small/bond funds if my firm doesn’t offer at good international fund options (only have 3 with high expense ratios. I’m 23.

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100% into spy puts expiring mid november

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I guess more specifically my question is - right now I have 100% allocation to a large cap 500 fund. Should I split any of it into a medium and small cap fund? Like 60/20/20?

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Yes. 60% large caps is great. Think about some in emerging markets (5-10%) and maybe some in an alternative like gold and/or Bitcoin (5-10% total). Obviously pull from the mid and small cap buckets for that.

If you are 23 and have no immediate need for the money you should be investing 90-100% in equities rather than bonds.

No bonds, just pick the one with the lowest expense ratio and forget about it.

Yep, and put as much in as you can. Any money you put in as a 23 year old will be worth sixteen times as much when you’re 63, and it grows tax free.

90 stock 10 bond. The 10 bond allows you to rebalance into stocks during market lows like March

Bonds won’t do that again for you with rates so low.

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I have a Roth 457 account that is a 50/50 split between domestic large cap index, and domestic mid/small cap index. The lower expense ratio the better.

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