{ "media_type": "text", "post_content": "I've been putting my 401k into a target date fund, but the risk/upside just isn't high enough given I'm not retiring for another 30 years. Thoughts on putting it all in a large-cap growth fund (VIGIX)? Returns have been solid over last 10 years. \n\nInvesting through work, so don't have all funds available to me.", "post_id": "5f0e4b3467caee001b4de33a", "reply_count": 6, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

I've been putting my 401k into a target date fund, but the risk/upside just isn't high enough given I'm not retiring for another 30 years. Thoughts on putting it all in a large-cap growth fund (VIGIX)? Returns have been solid over last 10 years. Investing through work, so don't have all funds available to me.

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The target date fund has 10% bonds and slowly transitions to higher bond allocation as time passes. IMO it’s too conservative and yields on bonds will be terrible for the near to mid future. I think VIGIX is fine, but while last ten years are good, past success doesn’t guarantee future success. I would probably do something like 40% international, 50% US (VIGIX or the S&P 500 index), and 10% Emerging market or whatever fund you think will do best.

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A1 what’s your investment experience? Why are you suggesting 40% international. Would you recommend a vanguard international index fund? What about REIT index funds?

As I stated earlier, S&P 500 outperformed over the last decade or so, but past returns are not indicative of future returns. Ultimately this is your retirement money and you have to make the choices that will get you the most comfortable with your portfolio. I don’t want a home country bias, so I diversify internationally.

put it into a later target date?

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