jobkastalu Posted April 13 Report Posted April 13 Guys, I am thinking to change my 401k allocation as below to be very aggressive. Please provide your valuable feedback. Asset Class Current Allocation Target Allocation US Stocks 67% 90% (FSKAX - Fidelity® Total Market Index Fund) International Stocks 26% 10% (FSGEX - Fidelity® Series Global ex U.S. Index Fund) Bonds 7% 0% Quote
aratipandu Posted April 14 Report Posted April 14 1 hour ago, jobkastalu said: Guys, I am thinking to change my 401k allocation as below to be very aggressive. Please provide your valuable feedback. Asset Class Current Allocation Target Allocation US Stocks 67% 90% (FSKAX - Fidelity® Total Market Index Fund) International Stocks 26% 10% (FSGEX - Fidelity® Series Global ex U.S. Index Fund) Bonds 7% 0% your current allocation seems decent...why do you want to change?? How many more working yrs do you have left before retirement?? The answer to your question will be different for a 23 yr old guy vs a 53 yr old guy. 2 Quote
nag Posted April 14 Report Posted April 14 1 hour ago, jobkastalu said: Guys, I am thinking to change my 401k allocation as below to be very aggressive. Please provide your valuable feedback. Asset Class Current Allocation Target Allocation US Stocks 67% 90% (FSKAX - Fidelity® Total Market Index Fund) International Stocks 26% 10% (FSGEX - Fidelity® Series Global ex U.S. Index Fund) Bonds 7% 0% Nee age entha bro.. if you are in mid 30s to 40s .. this composition looks okay. Bonds ki 7 percent peddha difference emi vundadu since, market pull back ayindhi kabatti..the above rebalancing looks okay. worst case..inko 25% pull back ayindhi anuko year end kalla.. (my guess is.. market will see 15 to 20 percent up), you shouldn't worry and leave it for another year Quote
jobkastalu Posted April 14 Author Report Posted April 14 11 minutes ago, aratipandu said: your current allocation seems decent...why do you want to change?? How many more working yrs do you have left before retirement?? The answer to your question will be different for a 23 yr old guy vs a 53 yr old guy. 30 years left before retirement. It looks like historically International index fund never beat US index so thought reducing international might help. Feels exposure to bonds may be unnecessary as I still have 30 years to go. 1 Quote
aratipandu Posted April 14 Report Posted April 14 2 minutes ago, jobkastalu said: 30 years left before retirement. It looks like historically International index fund never beat US index so thought reducing international might help. Feels exposure to bonds may be unnecessary as I still have 30 years to go. If you have 30 more yrs to go, then forget about bonds..they are unnecessary. Yes, Historically International indexes have never trumped the US indexes but at the same time International indexes never crashed as hard as the US index either....10% international lo unchuta antunnav ga, that seems good enough for now. Actually, your plan looks fine for a 30 yr timeframe...I'd say go ahead 👍 1 Quote
jobkastalu Posted April 14 Author Report Posted April 14 14 minutes ago, nag said: Nee age entha bro.. if you are in mid 30s to 40s .. this composition looks okay. Bonds ki 7 percent peddha difference emi vundadu since, market pull back ayindhi kabatti..the above rebalancing looks okay. worst case..inko 25% pull back ayindhi anuko year end kalla.. (my guess is.. market will see 15 to 20 percent up), you shouldn't worry and leave it for another year Mid-30s. It looks like historically, international index funds have never outperformed U.S. index funds, so I thought reducing my international allocation and removing bonds exposure completely to increase US Total market fund allocation might help to get better returns. Quote
aratipandu Posted April 14 Report Posted April 14 1 hour ago, nag said: worst case..inko 25% pull back ayindhi anuko year end kalla.. ee worst case scenario true aythe mana paristhiti enti anna?? Assam ee ga? Quote
nag Posted April 14 Report Posted April 14 11 hours ago, aratipandu said: ee worst case scenario true aythe mana paristhiti enti anna?? Assam ee ga? quick recovery bro.. adhi ..oka week scenario bro.. okkappudu laa great depression vundadhu. desha kaala maan paristhithi antaru kada.. analysts ekkuva expect chestunnaru.. kaani ippudu retailers / younger generation heavily investing in equity market when compared to years before 2010.. big whales kooda immediate gaa leputhunnaru market ni entha peddha crash ayina kooda.. examples March 2020 covid time, 2022 and recent March/April crash time and recovery time choodu.. emi avvadhu...kallu moosi thericheysariki .. malla up market.. I was talking about the risk and down side scenario for OP allocation.. inka bottom hit ayinattey anukunta Quote
aratipandu Posted April 14 Report Posted April 14 4 minutes ago, nag said: adhi ..oka week scenario bro.. okkappudu laa great depression vundadhu. desha kaala maan paristhithi antaru kada.. analysts ekkuva expect chestunnaru.. kaani ippudu retailers / younger generation heavily investing in equity market when compared to years before 2010.. big whales kooda immediate gaa leputhunnaru market ni entha peddha crash ayina kooda.. examples March 2020 covid time, 2022 and recent March/April crash time and recovery time choodu.. emi avvadhu...kallu moosi thericheysariki .. malla up market.. I was talking about the risk and down side scenario for OP allocation.. inka bottom hit ayinattey anukunta correct ee anna...retail investors and younger generation investing pergindhi, adhi nenu kuda observe chesa....but junk stuff meedha invest chestunnaru, adhi completely different topic anuko... March 2020 vishayam lo I guess the govt pumped money into the market to prop it up...but yes, big whales played a major role in buying the dip and bringing it up Emo anna...ee canada mexico etc jujube, daanike market chukkal chupinchindi... China odu ee elephant in the room, China odi toh penta ippude start chesaadu...both sides escalating...chudaali em avuddho...oka chinna % economy shrink ayna gattiga lesthaay jobs...not a good time to be on H1 in US.. Quote
nag Posted April 14 Report Posted April 14 10 minutes ago, aratipandu said: correct ee anna...retail investors and younger generation investing pergindhi, adhi nenu kuda observe chesa....but junk stuff meedha invest chestunnaru, adhi completely different topic anuko... March 2020 vishayam lo I guess the govt pumped money into the market to prop it up...but yes, big whales played a major role in buying the dip and bringing it up Emo anna...ee canada mexico etc jujube, daanike market chukkal chupinchindi... China odu ee elephant in the room, China odi toh penta ippude start chesaadu...both sides escalating...chudaali em avuddho...oka chinna % economy shrink ayna gattiga lesthaay jobs...not a good time to be on H1 in US.. I agree with you.. risk vundhi.. but dip ni koni paaresthunnaru.. I expected that S&P 500 will touch 4500 based on the recent geopolitical scenarios.. kaani avvaledhu. Malla recovery speed choodu Quote
aratipandu Posted April 14 Report Posted April 14 3 minutes ago, nag said: I agree with you.. risk vundhi.. but dip ni koni paaresthunnaru.. I expected that S&P 500 will touch 4500 based on the recent geopolitical scenarios.. kaani avvaledhu. Malla recovery speed choodu true anna...for now i'm buying the s&p500 dip alone...eppatiki ayna recover avuddhi ani confidence undhi... completely staying away from individual stocks though... Quote
phatposts Posted April 14 Report Posted April 14 Market volatality choosi re-allocation cheyyaddu. What was the reason you chose that portfolio strategy originally? Quote
jobkastalu Posted April 14 Author Report Posted April 14 49 minutes ago, idibezwada said: y do you need 7% in bonds? I picked a target date retirement fund originally and it had 7% in bonds. I'm removing it completely now. Quote
jobkastalu Posted April 14 Author Report Posted April 14 10 minutes ago, phatposts said: Market volatality choosi re-allocation cheyyaddu. What was the reason you chose that portfolio strategy originally? Ah portfolio Target date retirement fund dhi bro. Quote
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