401k advice

[VanMorrisonFan]

Hello Newblet…

You are getting plenty of advice, but I still want to throw in my $0.02 worth.

This is an “international” fund which invests almost exclusively outside the United States. As part of a diversified investment portfolio it might be a good buy, but I would not put all my money in this fund.

This fund has a decent track record, especially over the long haul. What concerns me a little is that it’s overall expense ratio is a little high – over 1.2%. That might not sound like a lot, but that adds up over time.

You don’t say how old you are, so it’s hard to say what your “time horizon” and “risk tolerance” are. I would build a diversified investment portfolio with most of your dough in stocks but some in bonds. Conservatively managed bond funds tend to even out portfolio performance over the long run. You don’t make as much in the good times, but you don’t lose as much in the bad times. Rebalance your portfolio every year or so.

You might want to look into index fund investing. It’s much cheaper (expense loads can be as little as 0.15 % of net asset value vs. the 1.20% that this fund charges).

I wish you success!

[VanMorrisonFan]

Hello Newblet…

You are getting plenty of advice, but I still want to throw in my $0.02 worth.

This is an “international” fund which invests almost exclusively outside the United States. As part of a diversified investment portfolio it might be a good buy, but I would not put all my money in this fund.

This fund has a decent track record, especially over the long haul. What concerns me a little is that it’s overall expense ratio is a little high – over 1.2%. That might not sound like a lot, but that adds up over time.

You don’t say how old you are, so it’s hard to say what your “time horizon” and “risk tolerance” are. I would build a diversified investment portfolio with most of your dough in stocks but some in bonds. Conservatively managed bond funds tend to even out portfolio performance over the long run. You don’t make as much in the good times, but you don’t lose as much in the bad times. Rebalance your portfolio every year or so.

You might want to look into index fund investing. It’s much cheaper (expense loads can be as little as 0.15 % of net asset value vs. the 1.20% that this fund charges).

I wish you success!

[Newblet]

Wow thanx for all the advice guys. I am 24, but I would rather not invest as most 401k advisors would recommend. That is start out risky then move over to conservative as I get older. I’d rather stay conservative through all my investments, in order to “conserve” my money. Strangely enough, I interpret their “less risky” options as places to put my money where inflation is almost gauranteed to outperform me, I’d say that is much more risky. So I guess in the end I put money in the international fund, which is where the advisor would recommend me to, but for opposite reasons.

[Newblet]

Wow thanx for all the advice guys. I am 24, but I would rather not invest as most 401k advisors would recommend. That is start out risky then move over to conservative as I get older. I’d rather stay conservative through all my investments, in order to “conserve” my money. Strangely enough, I interpret their “less risky” options as places to put my money where inflation is almost gauranteed to outperform me, I’d say that is much more risky. So I guess in the end I put money in the international fund, which is where the advisor would recommend me to, but for opposite reasons.

[Newblet]

Wow thanx for all the advice guys. I am 24, but I would rather not invest as most 401k advisors would recommend. That is start out risky then move over to conservative as I get older. I’d rather stay conservative through all my investments, in order to “conserve” my money. Strangely enough, I interpret their “less risky” options as places to put my money where inflation is almost gauranteed to outperform me, I’d say that is much more risky. So I guess in the end I put money in the international fund, which is where the advisor would recommend me to, but for opposite reasons.

[Newblet]

Wow thanx for all the advice guys. I am 24, but I would rather not invest as most 401k advisors would recommend. That is start out risky then move over to conservative as I get older. I’d rather stay conservative through all my investments, in order to “conserve” my money. Strangely enough, I interpret their “less risky” options as places to put my money where inflation is almost gauranteed to outperform me, I’d say that is much more risky. So I guess in the end I put money in the international fund, which is where the advisor would recommend me to, but for opposite reasons.

[Newblet]

Wow thanx for all the advice guys. I am 24, but I would rather not invest as most 401k advisors would recommend. That is start out risky then move over to conservative as I get older. I’d rather stay conservative through all my investments, in order to “conserve” my money. Strangely enough, I interpret their “less risky” options as places to put my money where inflation is almost gauranteed to outperform me, I’d say that is much more risky. So I guess in the end I put money in the international fund, which is where the advisor would recommend me to, but for opposite reasons.

[Raybyrnes]

Newblet

Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.

Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.

Simultaneously consistently hitting with 19 is probably not a winning stragy either.

Good Luck

[Raybyrnes]

Newblet

Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.

Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.

Simultaneously consistently hitting with 19 is probably not a winning stragy either.

Good Luck

[Raybyrnes]

Newblet

Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.

Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.

Simultaneously consistently hitting with 19 is probably not a winning stragy either.

Good Luck

[Raybyrnes]

Newblet

Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.

Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.

Simultaneously consistently hitting with 19 is probably not a winning stragy either.

Good Luck

[Raybyrnes]

Newblet

Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.

Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.

Simultaneously consistently hitting with 19 is probably not a winning stragy either.

Good Luck

[Newblet]

Isn’t getting the best return for the least risk always the best idea regardless of age?

[Newblet]

Isn’t getting the best return for the least risk always the best idea regardless of age?

[Newblet]

Isn’t getting the best return for the least risk always the best idea regardless of age?

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