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My question is specific to empower retirement (could apply to others as well) What is your investment mix? Which funds do you select and what percentage? I have 90/10 equity/bond mix with 3 vanguard funds (1 large cap -35%, 1 mid cap-18%, 1 intl-22%) and 20% dodge cox intl My year over year growth is kind of sucky...curious about how you folks allot your assets. Are you seeing good returns in your 401k?
80/20 stocks/bonds. Stocks are 60/20/20 US/developed world/emerging mkt. All vanguard indexes.
Stay out of bonds. Face value plummeting with rising rates. If you want no growth then bonds are great. Mix 90% across aggressive growth, large cap, mid cap, s&p funds. Make sure you evaluate the fees for managing each fund in your company’s plan. Finally put 10% in intl for when US stocks drop.
Mid cap typically follows the market, so it should be no different than an S&P index fund. I’d also recommend looking at small cap as well and a bit more in Intl. And while fees do matter, they are less important than the performance of the fund. There’s a saying “don’t step over 5 dollar bills to pick up pennies.” 90% of the decision should be about the funds performance track record. Agree with the rest of what you said. Bonds suck right now unless you’re a few years away from retirement.
25% large cap, 25% mid cap, 25% small cap, 25% international.
Fidelity contra fund 80%
60/40 us/international index fund. Got 40+ years until typical retirement so no bonds
Index funds all the way! You can do more risky investing with after tax funds.