401k advice for fund allocation w/Vanguard

Microsoft / Eng
hmboy17

Microsoft Eng

PRE
Dell, Cognizant
hmboy17more
Jul 11 20 Comments

Looking for moderate to aggressive growth. Appreciate inputs

comments

Want to comment? LOG IN or SIGN UP
TOP 20 Comments
  • Faithlife / Eng ICHI68
    VTSAX
    Jul 11 3
    • SAP / Strategy
      TC525

      SAP Strategy

      PRE
      SAP
      TC525more
      All in!
      Jul 11
    • Faithlife / Eng ICHI68
      ride those gains baby. And when it dips, then stop watching it and keep buying it.
      Jul 11
    • SAP / Strategy
      TC525

      SAP Strategy

      PRE
      SAP
      TC525more
      That can be tough, but yes
      Jul 11
  • New / Data zxpzxpzxp
    This is quite generic advice but it’ll get you on the right path. Moderate to aggressive growth may constitute anything between a 60/40 up to a 95/5 split of stocks/bonds. I’d strongly suggest you select ETF’s (Exchange Traded Funds) and avoid mutual funds. For each category (stocks, bonds) buy several ETF’s 5-10 should be sufficient that encompass a blend of multiple sectors and industries, both US and International.
    Jul 11 10
    • New / Data zxpzxpzxp
      100% agree with you on that, that logic makes sense.
      Jul 12
    • Amazon / Eng 1099-B
      Are ETFs even an option in most 401k plans? We only have like 30 funds to choose from in vanguard 401k, but it's known that Amazon doesn't have the best plan.
      Jul 12
    • Faithlife / Eng ICHI68
      No idea. I'm an intern. No 401k or company benefits for me.
      Jul 12
    • Microsoft / Eng
      hmboy17

      Microsoft Eng

      PRE
      Dell, Cognizant
      hmboy17more
      OP
      What are these vtsax? I don’t see those funds in Vanguard? Can some one help pls?
      Jul 12
    • Microsoft / Eng
      hmboy17

      Microsoft Eng

      PRE
      Dell, Cognizant
      hmboy17more
      OP
      So far I have enrolled myself into: 1) PIMco total return fund institutional class/ 25% 2) vanguard explorer fund admiral shares/15% 3) institutional 500 index trust- 25% 4) target retirement income 2045 trust select- 20% 5) target retirement income trust select 15%
      Jul 12
  • Commvault abcbac
    3 fund portfolio, skip bond for aggressive growth if younger. VTSAX, VTIAX either in 60:40 or 70:30 ratio. Can also add some vanguard small cap value index and vanguard international small cap value index funds as historically their returns have been higher. Read following for additional details and more tuning. http://paulmerriman.com/2014-new-site/wp-content/uploads/2013/04/first-time-investor-grow-and-protect-your-money.pdf
    Jul 12 1
  • Disney mostlybob
    VTI VTIAX 60-40
    Jul 11 1
    • Google AdsSwe
      This is basically 100% VT
      Jul 11
  • Oracle
    $fin

    Oracle

    PRE
    Amazon, Microsoft, Google, Facebook
    BIO
    OCI future is cloudy
    $finmore
    3 fund portfolio or 1 fund (s&p). Dont over complicate
    Jul 11 0