Invest 401k in target date fund or total stock market index?

like
Posting as :
works at
You are currently posting as works at

How old are you and when do you want to retire? What’s your risk tolerance?

like

My Roth is mainly ETFs that track the market. Thanks!

Target date funds are slow, I’m 25 and I just dump my 401k and IRA into the most aggressive options. Total market, growth, SP500 etc

like

If you have some high performers in your ira those individual equities could be the big reason your ira performs so well. But that’s short term. The market cycles. and very few if any humans are able to predict the tops and bottoms of those cycles.

Over time, the type of funds which tend to perform the best are value funds. Yeah, everyone talks growth, because value stocks have long periods of just matching the S&P 500 returns. But going into a recovery, value stocks typically take off and outperform most other types of funds. Right now over half of my 401k is in the various value funds we can choose from in our corporate plan and I am beating the s&p return for the YTD (the rest is in other types of funds). I don’t actively change my 401k. I moved it into this stance late last summer and will likely keep it at this approach through at least the EOY. I will then decide if I want to reallocate based on inflation, trends, etc. I am much older than most on this app so I likely will move more to a 60/40 stock/bond split when I do decide to reallocate.

like

Total stock market index fund

Related Posts

Anyone heard of Equitable Financial? They’re trying to pitch some life insurance investment vehicle for tax benefits. Sounds like BS but want to hear from other

likefunny

I’m applying for an industry job and the company has no parental leave benefits whatsoever. Even FMLA is just unpaid 12 weeks and require 1 yr of service. HR rep literally said “my kid is 18, I don’t

I think the stock market is going to crash any day. Should I have my 401k and index funds moved from high risk to low risk allocations or should I just ride the crash and not time the market?

like

I got two offers in hand, one from google and other one is from Goldman Sachs, pay is nearly equal, im confused what should i opt and what are the benefits of both.

like

Hi guys, I know this has probably been asked multiple times but need a fresh wind of advice. Shall I switch from pre tax to post tax/Roth contribution for reminder of the year? Not sure what’s the benefits are of each. If I anticipate my income to go up, shall I max Roth now?

like

Advice needed! Have just been asked to Freelance with W2 form. Without any benefits. Is this even possible? Would I lose my eligibility for Unemployment insurance once the gig ends? I was laid off from my full time agency job 2 months ago and have already freelanced as self employed on an LLC since. Seems like they’re being tight and taking advantage of the current climate.

like

I'll be joining the consulting world very soon and am thinking about getting a new personal credit card. My meal expenses are per diem so I'm thinking about the AmEx Gold card as it has 4x points on dining. I was wondering if anyone had any suggestions on personal cards for consultants and how to go about my corporate card as well! TIA

likefunny

What should I recommend to my parents (less than five years to retirement) on what they should do with their 401k?

like

Do I need to elect for COBRA if lateraling? I have my last day this month, so current health insurance will terminate almost immediately, and I am relocating so won't start at new firm until end of August. I am not really familiar with how COBRA works and am confused.. it seems expensive for 3 weeks.

like

As a first generation college graduate, first one to land a job in Corp. America, there’s so much that I wasn’t prepared for like 401k, investing, along with other things that increase your TC that aren’t bonuses or your base salary or how to diversify your income. I’m 25 and I feel like there is SO much I still don’t know. Any good book recommendations/youtubers/podcasts that helps navigate this?

like

Anyone aware of any open consulting opportunities at BCG within healthcare? Got 5+ YOE within healthcare

like

Exited to industry in May and already looking to leave. However the other person I'm working with is going for maternity leave soon. We are working together as PMO for a huge transformation project and I technically can't leave until she is back because there is no one else to step in.... I feel like it's not ethical to leave them now but i can't take it anymore. They rushed me to join them and I didn't know that was because she was leaving soon.. :( What are your thoughts ?

like

Just got a big raise (50%+) starting July 1st that is going to move me out of income limits for direct Roth IRA contributions (prior to raise was under the limit) even with maxed pretax 401k and HSA - however I am already halfway through contributions ($3000). What options do I have to address these excess contributions?

like

When you get a rental car, what do you do to make sure you don’t get taken advantage of for some bogus issue/scratch that’s already on the car? Take pic/video before, tell the checkout person of any issues (although this can be hard especially if at a smaller airport & you get the keys in the airport and there’s no gate when you leave), buy the rental insurance? If you have a card that covers rental cars (CSR, Amex Hilton) do you decline rental insurance and use the card benefits?

like

Any advice on which states 529 to choose? I live in Georgia but do most of my investments in vanguard, whose 529 is via Nevada. Seems like GA may have some addl tax benefits?

like

How can I not work to live - I want 10m as fast as possible and go retire. Working for another 30 years sounds miserable

likefunny

Booz folks, how is your health insurance?

like

Anyone in strategy at a tech company (FAANG, unicorns, startups) and use a Mac? I’ve been told google suite is mostly used. Windows obviously wins with Excel, but unsure of Mac benefits (if any)

Can someone who has done the research let me know what supplements are worth it (if any)? My general understanding is vitamins are not proven to change basically anything unless you have a real deficiency and are best obtained through diet. Is there anything else that has proven benefits? Thinking of upping my morning smoothie game, would love tips.

like

I was wondering whether any US green card holders accepted into M7 programs ever get some amount of tuition reimbursement/funding/scholarships from these schools or are they treated like international students that are expected to pay full tuition. Also, how common does is it?

like

Additional Posts

How open is LinkedIn to negotiating comp , what are they most likely to budge on ? Any word on their WFH policy?

like

How does severance typically work when you get fired? Is it a lump sum?

like

Do we get a severance package if we quit? Or is it only if you're fired?

like

Ive worked at big 4 for 3 years now and have never worked more than 40hrs a week. Pay is decent lcol city

like

Altman Solon: what is typical comp / level for an experienced hire with 3 yoe? I’d like to understand pay and progression to see if I should engage with the recruiter. Thanks.

like

Getting Laid 👍 > Getting Off 👍 > Getting Laid Off 👎

likefunnyuplifting

Any Jeffries people on fishbowl? Looks like they're there to scavenge the remains. RIP Lending Club ⚰⛏http://fortune.com/2016/05/20/lending-club-hires-investment-bank-to-help-it-raise-cash/

like

Today is the anniversary of the decision in Gideon v Wainwright. Join me in celebrating our public defenders and the work they do every day to uphold the Constitutional promises of due process and a zealous defense to all. I salute you and send tidings of admiration and appreciation today and every day. 

likeuplifting

I am thinking of switch from plaintiff side work to defense work in employment litigation. Has anyone made this switch? Did you regret? We’re billable hours too much to handle? More in comments.

like

Uber told me "don't get beat up on your flight..and don't you beat anyone!" I'll try to behave ;)

like

Who’s going to the Super Bowl in ATL???! Or will be in the city that weekend?

like

Desi junta - with the real estate market being crazy would you guys still rent or buy(visa uncertainty toh forever hai hi)? But with houses priced 20% or so more than last year and people paying over asking not sure what everyone is doing. Would appreciate some guidance and insights on your thought process

like

Managers, do you feel it's the stronger performers who are less likely to take advantage (book later morning flights and earlier go home flights)? I've been noticing this a lot from my mediocre ppl.

like

Starting at McK (NA) next month and my training just moved from in-person to virtual - are you all seeing a decline in business travel because of covid concerns? I'd heard that a lot of teams had started to travel over the past few months

like

Ex-kpmg employee here so can’t post in that bowl but does anyone here know how pension plan works? I was vested based on time with firm but does the money stay there til retirement or can you request lump sum payout and invest it how you want? Thanks!

like

I have been offered a 25 percent hike at a big 4 but have another offer with 40 percent hike in a Boutiqe firm. I asked the HR of the big 4 if she could adjust since I have a 40 percent hike letter. She said she’ll check. She hasn’t gotten back to me yet. Should I contact her? Currently working at one of the Big 4.

like

Actively looking for an HR generalist role! Does anyone know any roles opening up soon in your companies? My background: have a BBA in HRM, MSHRM, and SHRM-CP certification. One year and a couple of months in EY’s People Advisory practice, and some HR internship experiences. I’ve done work with the talent team on my projects in the past. I’m looking to go internal ASAP so let me know if you have advice or know of any roles opening in your company 🙂

like

Any babe willing to chat or refer me to MBB, Big4 for strategy consulting? I'm trying to take off my career but cant do without MBA. Got 2YOE in strategy, 2YOE tech cons. & On-going Tech + Strategy

Chicago 🐠 landed at ORD, going downtown, and it’s rush hour. What line and stop should I take if I don’t want to sit in an Uber the entire way?

like

How’d vaccines become political??? I remember back when it started thinking “imagine how poplar vaccines will be when they come out, and we’ll all be able to stop worrying avoid Covid”. Now here we are, but with so many nay-sayers, we have delta on the rise. How’d this happen???

likefunny

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.