Strategic Equity Fund
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Charlie Said:
investment plans?!?We Answered:
Your funds, while not the greatest, can probably be lived with.35% stock index fund
10% mid cap value fund
05% small cap value fund
20% international equity fund
15% TFLIC guaranteed
15% total return bond fund
But generally you want to divide your contributions to a diversified group of funds. Some higher risk, and some lower risk. I would consider the stock funds higher risk, and the bond & cash (tflic) lower risk.
The us stock market is made up of large companies, mid size companies & small companies. Thus the allocation to these. There are also many corporations thoughout the world. That is why I suggested 20% international. Lastly I gave you 30% in something safe, such as bonds & cash.
You should be really be learning something about this stuff. Investing in a 401k is an excellent way to save for retirement. But help yourself & read up on investing. Try Investing for Dummies by Eric Tyson. I have this.
Colleen Said:
I'm 23 and starting my 401K...which funds should I invest in?We Answered:
First off, it's a great thing to see someone fo your age starting their 401K. Most younger generations are skipping this til later years, and then find they are behind.For your age group, whatever company you are going through, each one will have its own data on what should be invested in. The one I deal with says your age group should invest their 401K in the following:
(These are approximates, you do what you are comfortable with.)
5% Short-Term Fixed Income
15% Fixed Income
0% Balanced/Asset Allocation
40% Large U.S. Equity
20% Small/Mid U.S. Equity
20% International Equity
Recently the US Equity hasn't been doing well. If you want, cut down those percentages and concentrate on the Internation Equity (which has an excellent 1-5 year gain.)
Geraldine Said:
How should I invest my 401k?We Answered:
I suggest you go with bonds for now. They have outperformed stocks recently. Check out the article below for a different view on fixed income investments. I found it enlightening.Congratulations on starting your 401K so early!
Margaret Said:
What should I invest my 401k into? Here are my options;?We Answered:
They answer depends on your time horizon (age). You want a mix of domestic stocks, international stocks and fixed income. The best mix depends on investment timeline and risk tolerance.Philip Said:
Need help choosing a Vanguard Fund?We Answered:
Go to morningstar.com. Tons of free info. Get to program called fund compare. Will do all the work for you to help pick your Vanguard Funds or any others for that matter.Next question....why just Vanguard Funds? There are over 15000 mutual funds in the universe. Highly unlikely Vanguard has all the best ones! Take a look at following funds. All stellar funds with great long term track records and fund managers who are considered all stars in the trade.....
Marsico 21st Century...symbol MXXIX...large cap
Cambiar Opportunity....symbol CAMOX.....large cap
Excelsior Value&Restructuring....symbol UMBIX....large cap
FBR Small Cap....symbol FBRVX....small cap
SSGA International Stock Selection...symbol SSAIX...international
Wescore Plus Bond....symbol WTIBX...bonds
Given your age and not knowing your tolerance for risk or reason for your investments.....a good mix would be given current market conditions.....
Large Cap......50%
Small Cap......25%
International....15%
Bonds.............10%
Just my opinion....that and $2 will get you a cup of java at Starbucks! Good luck.
Nora Said:
How to invest on my 401k?We Answered:
I would go with the funds. Small Cap, Income, Index and Mutual A 401k is a long term investment.