I’m entering into my companies 401K and I’m having a hard time trying to elect which Investment to choose?
Use whole numbers (for example: 0%, 3%, 25%, 72%); total must equal 100%.
B. You may elect automatic Account Rebalancing to help maintain the long-term investment strategy you decide is appropriate for
meeting your savings goals. Once you’ve created your asset allocation, automatic Account Rebalancing can rebalance your account
as often as you choose: quarterly, semi-annually, or annually.
SM SSgA Government Money Market Fund %
TR PIMCO Total Return Fund – Class A %
7X DWS High Income Plus Fund – Class S %
SI SSgA Life Solutions(SM) Income & Growth Fund %
SB SSgA Life Solutions(SM) Balanced Growth Fund %
SG SSgA Life Solutions(SM) Growth Fund %
AG AllianceBernstein Growth and Income Fund -
Class A
%
A2 DWS Large Cap Value Fund – Class A %
S5 SSgA S&P® 500 Index Fund %
VZ Neuberger Berman Partners Fund – Advisor
Class
%
OC Oppenheimer Capital Appreciation Fund – Class A %
MD Fidelity® Advisor Equity Growth Fund – Class T %
XQ Franklin Rising Dividends Fund – Class A %
9E SSgA S&P® MidCap 400 Index Strategy Fund %
M1 Alger MidCap Growth Institutional Fund – Class I %
J8 Janus Adviser International Growth Fund – Class S %
Z4 Templeton Growth Fund, Inc. – Class R %
TS Allianz NFJ Small-Cap Value Fund – Class A %
SR SSgA Russell® 2000 Index Strategy Fund %
AR Alger SmallCap Growth Institutional Fund – Class I %
If you want to keep it simple, choose one of the target retirement funds. They are one stop shopping – SSGA Life Solutions Growth fund – 100%.
Or if you want to pick individual funds:
45% ssga s&p500 index
10% ssga mid cap index
05% russell 2000 index
20% Janus international
20% pimco total return
Many different ways of building a portfolio. It just depends on how you want to tackle it. If you want to have a comfortable retirement, I suggest you hit the books & learn about investing. Nobody cares as much about your money as you do.
July 20th, 2010 at 7:33 am
Just a list won’t help much. Are you comfortable with high risk? Do you prefer low risk? How old are you? How much say do you have on where the company’s matching dollar input goes?
There are a lot of variables here that an advisor needs to know to give good investment advice.
References :
July 20th, 2010 at 8:21 am
lay out on paper the choices, showing their returns… usually, they are grouped somehow… within each group, select the ones that have the best track record, and move your money into those… if you choose ones that only put out 1%-2%, don’t be surprised that after a year, you are not making 12%… it’s that straightforward… good luck
References :
July 20th, 2010 at 8:26 am
My co. matches 6% an so that’s what i pay in also. it’s like free money. i got 50% in magellon, an 50% in puritain. High risk but so far they have done pretty good up to lately. Stock market fell an i lost some.
References :
July 20th, 2010 at 8:35 am
If you want to keep it simple, choose one of the target retirement funds. They are one stop shopping – SSGA Life Solutions Growth fund – 100%.
Or if you want to pick individual funds:
45% ssga s&p500 index
10% ssga mid cap index
05% russell 2000 index
20% Janus international
20% pimco total return
Many different ways of building a portfolio. It just depends on how you want to tackle it. If you want to have a comfortable retirement, I suggest you hit the books & learn about investing. Nobody cares as much about your money as you do.
References :