{ "media_type": "text", "post_content": "Thoughts on this mix? I'm 28. This is for my 401K Investing 5% to get employer match.. What do you think: 30% International stock index fund, 20 % S & P 500 index fund, and 50% small/mid cap index fund?", "post_id": "5ff647c8eb9a04002ba364f4", "reply_count": 5, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Thoughts on this mix? I'm 28. This is for my 401K Investing 5% to get employer match.. What do you think: 30% International stock index fund, 20 % S & P 500 index fund, and 50% small/mid cap index fund?

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Honestly, there’s a larger risk with international and small/mid-cap funds than the S&P. However, if that’s what you want to do, okay. Personally, I’d do 50% S&P (if not more), 30% small/mid-cap, and 20% international.

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I don’t see anything wrong there. I suspect the returns would not be very different from OPs suggestion

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I like the 70/ 30 split among US and foreign index funds. That is exactly what I do. That is a pretty heavy tilt to small, but if that is what you want and understand it, not a problem. It is up to you if you want to add bonds. At 28 I might have 10% but not a proem to have none at your age.

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Thank you!

70/30 is a good split, I do 80/20 between US and Intl stocks in my 401k. I like to keep it simple and would do 70% total stock market and 30% intl. There’s nothing wrong with your portfolio, just as long as you are aware of the heavy tilt that EY1 mentioned. I’m 27 and at our age we can be more risk tolerant since we have 30+ years to ride out our retirement accounts.

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