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Coffee Shop
401K thoughts?
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<blockquote data-quote="bird dog" data-source="post: 1777840" data-attributes="member: 5381"><p>In all honesty, your choices are poor. Plus they are managed by the Woke company Blackrock. The C fund that matches the S & P is probably where you want to be but it has had crappy year (losing 13%) because it is weighted towards the most valuable companies. Since the most valuable companies are generally tech companies the index gets slanted in that direction. The fund is around 29% tech today even with the sell off of techs stocks. If they rebound, the fund will do fine. They may fall a lot further. The S&P is only 3% energy which means it has almost missed the best sector for the last two years. </p><p></p><p>I guess self managing your account is not a option? If its not, stay with the C fund. Its the most diversified despite its shortcomings. Don't try to time the market. Its a losers game. Investing the same amount week after week get you bargains during sell offs and keeps you buying as the market rises over the long term. </p><p></p><p>Life cycle funds are a good idea and you won't go wrong there but they double dip you on the fees since they are investing in funds where fees are already charged.</p><p></p><p>Maximize whatever the match you can get. That will help even out the poor choices they offer.</p></blockquote><p></p>
[QUOTE="bird dog, post: 1777840, member: 5381"] In all honesty, your choices are poor. Plus they are managed by the Woke company Blackrock. The C fund that matches the S & P is probably where you want to be but it has had crappy year (losing 13%) because it is weighted towards the most valuable companies. Since the most valuable companies are generally tech companies the index gets slanted in that direction. The fund is around 29% tech today even with the sell off of techs stocks. If they rebound, the fund will do fine. They may fall a lot further. The S&P is only 3% energy which means it has almost missed the best sector for the last two years. I guess self managing your account is not a option? If its not, stay with the C fund. Its the most diversified despite its shortcomings. Don't try to time the market. Its a losers game. Investing the same amount week after week get you bargains during sell offs and keeps you buying as the market rises over the long term. Life cycle funds are a good idea and you won't go wrong there but they double dip you on the fees since they are investing in funds where fees are already charged. Maximize whatever the match you can get. That will help even out the poor choices they offer. [/QUOTE]
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