What is your 401k investment strategy mix? Here’s mine. I currently have 16% return this year so it’s helped but I’m wondering if I could be doing better for the long term.

Post Photo
like
Posting as :
works at
You are currently posting as works at
Highlighted IconHIGHLIGHTED

16% return this year is a bit low. Market has really boomed.

like

The market went way down in March and most people in growth stocks have fully recovered and then some. The key point is to avoid getting into a situation where you may need to withdraw funds from your 401k - this is bad in general and would usually coincide with a bear market.

like

Age or this post is stupid

likehelpfulsmartfunny

C5 - whats werk

Recent IconRecent

95% PLTR 12/11 $40 Calls, 10% TSLA 12/18 $690 Calls

likefunny

Yeah buddy. Crazy to think I’m in my early 30s and retiring in less than two weeks 🚀🚀🚀

✈️🏖🧉

likefunny

At 24 you need to be 100% stocks

like

Meta funds incur meta fees. Just know the stock bond balance and readjust yourself. There's nothing magic about target funds under the hood. E.g. my index fund expense ratio (annual fee as a % of investment) is 0.04%, my bond fund is 0.05%. The equivalent target retirement fund that would mix these things is 0.15%. It doesn't sound like a lot until you factor in the compound interest of what you're leaving on the table every year.

0% fixed income for first couple decades

like

Bonds used to be safer than equities, but only if held to redemption. Many people leave that part out. If interest rates on the long end rise to 3%, you will see bonds fall by 5-10% depending on quality and duration.

The old 70/30 or 60/40 equity to bond articles were published when yields were higher, and life expectancy much lower.

At 60, people used to only live through 1 market cycle typically. My dad died at 94, my MIL is 95. My wife and I need to plan on living through 3 market cycles after 60.

So, close to retirement, I'm 100 equity for retirement and investments, and have no debt at all. House is paid off.

At your age you are way too highly fixed income

like

Asset allocation / balanced - 20%
Stock (growth / income) - 80%

Rate of return: 34.81%

likesmarthelpful

Their advice is fairly conservative, but I feel at my young age I can tolerate a higher amount of risk, hence my allocations. Also maxed my 401k this year.

I'm at 21% and 46% on the year between my two 401k accounts (I kept one with my old employer because their fund selection was great - it's the one getting 46%).

I'm in 100% stock allocation in the 46%. I have 90% stock/10% REIT index in the other one getting 21%.

If you're young, you should have more allocated to equities.

helpful

Stock (growth/income) 50%
Stock (growth) 50%

33% return for this year.

helpful

I'm 22 and buying 2060 target date funds. Just gonna keep dumping money in and never thinking about it again.

like

38.17% for the year, 24 years old,

Post Photo
helpful

100% on S&P500

like

95% equity, and 50% tech 50% other

What underlying ETFS are used for balancing?

S&P 500 - 75%
Small cap aggressive growth - 25%

24 here 1.5 yoe. am I fucking up by not hand selecting what my 401 k gets invested into? I manage my own Roth and other brokerage account but don’t even think I presently have access to my 401k

My approach has been evaluating fund performance over 1yr - 5yr - 10yr as well as expense ratio. Only need to do this twice a year max.

Get an IRA so you can buy TSLA Call options

Seriously tho you shouldn’t have any income stocks either

A1, did you read what was written? If 90% of the stock market value was value based when the study started then 90% should have been dividend based roughly. You are focusing on the numerator and ignoring the denominator.

This is mine with 28.4% - age 29

Post Photo

There’s little reason for fixed income right now. What does that get you?

Related Posts

I have a 25K loan from my MBA. I paid off 100k whole, after graduation. 3 years ago, I moved my loan from federal to private ( SOFI) account. I recently lost my job. I have applied for unemployment, as the severance that I received will only cover for 2 months. Together my husband and I used to make less than 250k after tax. Now, with a loss of pay , we are going to make less. Do you think I will be eligible for Loan forgiveness?

like

What’s the best travel rewards card you have and why?

like

Thinking of moving to pwc, what is the wealth builder? Like why dont they just use a traditional 401k? What are important facts about it?

like

I’m a technical consultant but sick of the low pay and bad benefits at SI firms. I have some opportunities at Big 4 with better pay & benefits. Will it derail my career to move to Big 4?

like

Larsen & Toubro Infotech I m having one offer from Nagarro and second one is from atos with same package and variable and atos is ready to give permanent wfh but in nagarro i will be align with zs associate account and wfh or wfo is not decided yet as everyone knows wlb is not good with zs associates. Atos : project will be cdphp health insurance.
Please suggest which one I should choose.Atos Nagarro Larsen & Toubro Infotech Accenture

like

I work in healthcare but I know I should be doing better about my health between the diet and the drinking. Anyone else feel convicted bout this?

like

If Covid-19 doesn't convince you we need universal healthcare, I'm not sure what will

like

Is anyone at a job they really, truly enjoy that also pays competitively (and has good benefits)? In my experience, I haven’t found anything that satisfies both. Either I love the job and I’m grossly underpaid or the job is totally mediocre but the money is great. Is it really possible to have it all or do I need to lower my standards? Maybe it’s just the way this industry is?

like

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

like

Hi all, how to apply for relocation reimbursement in JPMC?

like

What are the benefits of working in KPMG GDC?

like

Any ideas about the type of “healthcare” roles in Amazon, Best Buy and Walmart? FYI - background is strategy consulting in health.

like

Hello, I have an interview scheduled for the position of Product Manager for Mumbai location. Could anyone please help me with details like culture/benefits and pay at ICICI?

Any APM/PM openings at CPG agencies in the NYC area? I only have 1.5 years experience in healthcare ad only so am struggling to find something I want

Hi everyone! It’s my first day out here! Describe your fav benefits of this app to me! Happy hump day & happy hard work!

like
like

Planning on joining Deloitte as a SM in Healthcare Consulting. Can anyone comment on how the path to MD or Partner look like? E.g. number of years etc

likehelpful

This is why we need Universal Healthcare

Post Photo
likefunnyupliftingsmart

Anyone return to work from maternity leave experience a major change in their role (i.e. getting sidelined or unofficially demoted in their role)? What steps did you take to address this?

like

Which companies in Seattle offer Kaiser health insurance? Considering exploring other opportunities but need to stay within the Kaiser network

like

More Posts

What’s the salary of ITRA manager at EY in NYC?

like

Anybody know of a efficient way to remove accruals from a GL dump? Currently our process is to just apply filters, copy filtered data, and repeat until all our accruals are filtered out. Thanks!

Billboard copy word limit? 7 words is my go to but I’d love the industry pulse on what CW’s think is acceptable in terms of how many words should go on a billboard.

like

On resumes do you just want to see the company and the clients you worked for while there? Or do you want a list of all the accomplishments you did at each?

like

Any account ppl here make the move to pharma? What’s the process like? Where did you go and what title did you start with ?

like

Messaging a guy on a dating app - I’m most interested in him out of the ones I’m talking to and have been replying back the same day, but he’s been taking 2-3 days to respond every time…take it as a sign that he’s not very interested, or keep pursuing?

like
like

Anyone from CT know if any senior level PM openings?

Received a call from FB/Meta recruiter that my profile will move forward for an offer approval. How long does this take usually? Non-tech PgM role

like

I’ve been asked to weigh in on how to improve my firms parental leave policy. It’s currently 8 weeks paid for birth parent with an extra week for each year at the firm (up to 12 weeks total) and 2 weeks paid for non-birth parent. I’m in a major city, firm is a boutique that has been around a very long time. What would you suggest? Any studies or research you’ve seen recently on trends in parental leave policies also helpful. I’d like to have some sort of data to back up what I recommend. TIA!

like
like

I have an interview for a copywriter position with an Atlanta-based company this week. I work in UX and content writing so this role would be a pivot for me. Any advice to prepare?

like

My dog passed away early this week and i honestly have no desire to work, but I don’t feel like i can take time off because i just came back from vacation.

likehelpful

Would anyone like to share ways they give back or donate? And at what % of net?

like

“To the windooooowsss, to the wallsss” is my entire plan of action rn.

likefunny

Anyone else want to change into comfy sweats and slippers mid day, while at the office.. or is it just me? I love work clothes but I swear I’m more productive when I’m in lounge wear.

like

Looking for 1 bedroom apartment downtown near Nolita/soho sublet or short term lease asap (March 27). Thanks! Flexible budget, timing etc.

like

Do any one how much a relocation bonus is given in Benefit Plan : Plan Q as it was addressed by HR team that I'll get and also wanted to know ,more about this Plan Q what comes under this

like

Are promotions list already out ?
I saw a manager who was promoted recently on LinkedIn.

like

Any reference for system Administrator/System engineer/Desktop support , please inform. YOE:6.2

like

Additional Posts in Consulting

Stopped into the westin lounge for a water - saw they had pizza rolls - don't mind if I do

like
like

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

like
like

A bowl for "thirsty" consultants on travel a good idea or nah? Kind of like that movie about an elite hook up ring for working professionals who don't have time to date

like

This is why we need Universal Healthcare

Post Photo
likefunnyupliftingsmart

Best tech strategy/consulting firm and why? I’ve heard Accenture and Deloitte top the list for larger firms.

like

I'm still in disbelief that one of those two individuals will be elected to lead or nation within the next 24 hours

like

Hi 🐠- looking for some advice. I was offered an hourly contracting position ($71k) working as a sub to Deloitte doing PMO work. I am currently at a small firm making $55k with 1YOE. Is this move worth it? TIA

like
like

What is maximum amount you can submit for cell phone bill reimbursement ?

like

Just turned 30 but still feel like college ended only a month ago. Anyone experiencing a similar situation?

like

Any Deloitte members have insights on any internal Supply Chain Consulting positions for someone with 1YOE.

like

Hi
Is there anyone here looking to hire a Strategy consultant? I've got previous experience across public and private sector and I'm now looking for a new challenge with one of the top consulting firms in the UK.
Any help would be much appreciated.

like

What’s your most important skill and why?

like

EY fish, what are the average number of years per level before promotion?

like

Those who have undergone layoffs... Our fallen sisters and brothers... What are the plans now? Would be especially interested in hearing from those not planning to go to another consulting firm.

like

Did the wsj pwc layoff article ever happen

like

🐠 🐟 Share your amazing hotel stories . I miss business travel … last time I met a client face to face was in Feb 2020. My most amazing hotel stay was in Toronto June 2018… checked into a Westin hotel and I was upgraded to a presidential suite ! I couldn’t believe it until I went to my room .

like

Need some recommendations for an office chair for around $300.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
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

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal