{ "media_type": "text", "post_content": "Time to switch to bonds in your 401k?", "post_id": "5c1dfab6cc1b520012997469", "reply_count": 10, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Time to switch to bonds in your 401k?

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A 401k is not meant for active investing. Leave your money in there and when you get close to retirement, then worry about any depreciation in value.

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That said we don't know how close op is to retirement. But if you're 10 or more years out, just leave your contributions on auto pilot and forget about it.

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Actively managing an investment you won’t cash out for 30 years? Seems like a colossal waste of time. I could see you reviewing your investment elections every few quarters but you will not have the time to double as a consultant and active investment manager.

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Thank you. It’s like my first comment went over OP’s head.

I’m 30, I will continue to buy cash generating assets. I have no allocations toward bonds

Bonds aren’t cash generating assets?

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I’m 34. Thinking about being more active about managing this rather than leaving it alone. Ours is managed by vanguard

Those target funds a actively managed correct? Albeit likely a pretty low amount

Yes, but only on the sense that they gradually move your assets from stock to less risky assets like bonds the closer you get to your retirement date.

I went to cash 6 months ago. Now I’m getting ready to slowly start getting back in. Is it the bottom? I don’t know, but it was cheaper than before.

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