How much % are you invested in your 401K

[Chakram12]

52 minutes ago, Spartan said:

enduku @Chakram12 

401k medha ee thread padina mundu vundi help chese vadivigaa 

[pandu123b]

i am doing 6% enough to get 3% employer match

started in 2016, i have 100k so far.

~15 k year contribution!

i moved money out of etf starting 2022 and kept in Fixed income(cd, treasury) to get ~5 returns.

i will move it back to s&p once i feel safe

[Hems]

I followed a fixed investment strategy for all these years

1) pick funds with least expense ratio.

2) 40% large cap

     12% small cap

     18% Mid cap

     15-20% International

     5% Real estate funds

     5 - 10% divided funds

My investment style is aggressive, but shuffle based on market conditions.  

Don’t invest in funds with high expense ratio, it will eat your growth.

I avoid moving money into fixed income, timing the market is tough. I am planning to be less aggressive after 50. 

     

[krishnaaa]

2 hours ago, Hems said:

I followed a fixed investment strategy for all these years

1) pick funds with least expense ratio.

2) 40% large cap

     12% small cap

     18% Mid cap

     15-20% International

     5% Real estate funds

     5 - 10% divided funds

My investment style is aggressive, but shuffle based on market conditions.  

Don’t invest in funds with high expense ratio, it will eat your growth.

I avoid moving money into fixed income, timing the market is tough. I am planning to be less aggressive after 50. 

     

This is the perfect plan👍 

[HtmlBro]

On 6/29/2023 at 10:28 AM, sarvayogi said:

401k is just a waste of thing..ppl think saving every year small amounts will give big amounts at retirement

You are just giving your hard money to govt for free and for them to invset some where else and you loosing 40-45k an year(if both invest) in cash and again spending those expenses on credit cards and paying interest

Ok, if employer is matching your 401k you are loosing that free money, interest on free money for next 30 years and so on. Average returns on 401k is 9٪. Pilla gallani enduku cheda 10gutavu. Employer ekkada match cheste akka pettandi. 401k, 529 etc.

[Joker23]

I max out every year on my 401k , 100% vested in index funds bro.