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16% return this year is a bit low. Market has really boomed.
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.
Age or this post is stupid
C5 - whats werk
95% PLTR 12/11 $40 Calls, 10% TSLA 12/18 $690 Calls
Yeah buddy. Crazy to think I’m in my early 30s and retiring in less than two weeks 🚀🚀🚀
✈️🏖🧉
At 24 you need to be 100% stocks
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
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
Asset allocation / balanced - 20%
Stock (growth / income) - 80%
Rate of return: 34.81%
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.
Stock (growth/income) 50%
Stock (growth) 50%
33% return for this year.
I'm 22 and buying 2060 target date funds. Just gonna keep dumping money in and never thinking about it again.
38.17% for the year, 24 years old,
100% on S&P500
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.
Pro
Get an IRA so you can buy TSLA Call options
Pro
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.
Rising Star
This is mine with 28.4% - age 29
There’s little reason for fixed income right now. What does that get you?