401k investing with Charles Schwab

Should I invest my 401k money in stocks or is now a bad time? Doesn't seem like there's to many great options to choose from. Already lost 50$. This is what I'm thinking of investing in now: PRIMECAP Odyseey Growth 25% Vanguard International Growth Inv 25% Vanguard Small Cap Index I 25% Vanguard Instl Trgt Retire 25%

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Lyft kthanks001 Dec 9, 2018

50$ ?

Zillow Group iplaypoint OP Dec 9, 2018

yes

Intuit NoL33tcode Dec 9, 2018

You shouldn’t be worried about short term movements Investing is like planting a tree and enjoying its shade 20 years later

Zillow Group iplaypoint OP Dec 9, 2018

are stocks a good move? hearing stock market may crash soon

Medallia PS God Dec 9, 2018

Invest in indexes.

Teledyne Technologies wish I knew Dec 9, 2018

Short term fluctuations don’t matter. Dollar cost average your contributions I.e. invest throughout the years whether market is up or down. Your choices for diversification look okay with one possible suggested change. Reduce target date percentage by half, and invest the remaining half in mid cap index. That way you won’t miss out on market cycles and stock rotations that are inevitable

Zillow Group iplaypoint OP Dec 9, 2018

thanks, and there aren't any mid cap stocks

Teledyne Technologies wish I knew Dec 9, 2018

If no mid cap, then use IRA on your own separate account to specifically choose a mid cap index. Choose Roth if your income level allows, otherwise non deductible traditional, assuming your income is too high for deductible IRA. Balance all accounts once in 3 years (conventional wisdom is yearly but I find 3 years is better since it gives more time for winning areas to grow).

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DuQvV7x Dec 9, 2018

If you plan to work for another 20 years, then identify a diversified portfolio and stick with it. Balance annually. You may lose up to $100 or more. Resist the urge to run for cover.