How actively do you make trades in your 401(k)?

AT&T / Ops
DDM2K

AT&T Ops

PRE
Windstream
DDM2Kmore
Nov 25, 2017 7 Comments

I’m not an active trader. I want to ask questions before I make any changes.

I’m curious how actively everyone is trading in their employer-sponsored accounts, and what types of trades you’ve utilized to get you the best performance. I’ll detail my current situation below.

ERISA-compliant 401(k) through Fidelity, employer provided options include company stock, and about 15 mutual funds, some with target dates, others with names describing the blend of investments.

6% employer match, 1:1, 3 year cliff vest (I’ll be vested in July 2018. Approximately 1/3 of my balance is not vested.

Account performance shows +11.10% YTD

Option to move up to 50% of balance to BrokerageLink to trade individual stocks or any fund I wish (not a withdrawal, no penalty or tax invoked)

So far as I can tell, I have not been aware of any fee for trades I’ve made.

comments

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TOP 7 Comments
  • yello / Eng showmeda💰
    I look at my 401k quarterly. It’s a long term investment so it doesn’t make sense to change up the trades. Mutual funds tend to be a collection of stocks as is anyway.

    If you want to trade individual stocks use something like RobinHood or open a brokerage account somewhere.
    Nov 25, 2017 0
  • NetApp / Eng vol0
    I use a target date fund for my 401k so I don't have to trade manually
    Nov 25, 2017 0
  • Salesforce Tower
    JTSIX : 19% YTD but this year is weird
    Nov 25, 2017 1
    • AT&T / Ops
      DDM2K

      AT&T Ops

      PRE
      Windstream
      DDM2Kmore
      OP
      Very nice
      Nov 25, 2017
  • Gallagher weens
    Quarterly review. Hire a personal financial consultant to review options with you. It costs less than $500 for an analysis... Many funds over lap and you may be less diversified than you think.
    Nov 26, 2017 0
  • Microsoft zzxxxccvv
    Make sure you check the rules on how frequent you can trade in your retirement accounts. There are limits imposed on retirement accounts that don’t apply to normal brokerage accounts.
    Nov 25, 2017 0
  • Rackspace / Sales NC_emcee
    I use Blooom and it makes updates to my portfolio based on my risk profile. Love it!
    Nov 25, 2017 0