Diversifying 401k funds?, 30+ years to retirement

Twilio IYGs88
Oct 19 4 Comments

Are you guys putting all the money in 500 index funds or diversifying it by having mid/small cap, speciality and bonds.

Looking at stocks growth this year, are you changing your strategy and moving out of equity and become more conservative.

This year it's been just <3% return for me.

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TOP 4 Comments
  • Intel
    100%_VTSAX

    Intel

    BIO
    💲💲💲VTSAX 💲💲💲
    100%_VTSAXmore
    Aside from emergency fund and dry powder cash, mostly all VTSAX. The top US companies are all global and diversified and of all sizes.

    If you are on a 30+ year horizon and getting out of stocks / going more conservative.. then IMO you dont know what you're doing and should talk to an advisor at VG or Fidelity or whomever your 401k provider is. Market goes down, I buy more. Look at VTSAX returns YTD... lot better than 3%
    Oct 19 2
    • Pinterest ottot
      How much percentage your dry powder /cash reserve ?
      Oct 20
    • Intel
      100%_VTSAX

      Intel

      BIO
      💲💲💲VTSAX 💲💲💲
      100%_VTSAXmore
      Good question. probably too much. Spitballing prob around 10-15% in Marcus HYSA / savings, which is 6-12 mos emergency fund (single earner family, need more piece of mind) + house/remodel fund + dry powder for either an RE buy (investment condo in vacation area) or dry powder for VTSAX buy when market drops. The %'s don't count total NW as I dont really add my RE in there, since not liquid. Dry powder drops to single digit % of NW if you count everything. So I guess I kinda counteract the aggressive all VTSAX approach with more dry powder than most.
      Oct 20
  • Amazon 1.618
    Vanguard target retirement fund, one year return 3.3%
    Oct 19 0

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