{ "media_type": "text", "post_content": "My 401k is split between 3 funds - large cap growth, large company index, and total stock market index. 26 yo. Do I need to diversify or is this okay for now ?", "post_id": "5ed26eb100ba9f002baa96fb", "reply_count": 11, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

My 401k is split between 3 funds - large cap growth, large company index, and total stock market index. 26 yo. Do I need to diversify or is this okay for now ?

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My personal accounts are heavy in tech, but I can’t find a tech option In the fidelity choices

fidelity contrafund more or less performs like NASDAQ

smart

I think you are smart to stay heavy in equities. Bonds just don’t offer the same returns in the long run. You may want to consider diversifying with a global equity fund.

I would check the mix and try to gear up on as much tech as possible

I would throw in a good chunk of international and small Cap too, you are young enough for the risk

“Total stock market is garbage” ...why don’t you consistently follow this strategy and we’ll check back in 20 years

Compared to the other options he chose. Sorry I guess I was too extreme

I don’t think anyone can give you a good answer on this question without understanding your goals, investments within the funds, and weights in your portfolio.

Over the long run there is a reason to diversify as it's rare for a certain asset class to have the best returns year after year.

Post Photo

Looks like high yield is consistently performing

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