How’s everyone’s 401k doing this year?

[Coronita]

What you people seeing your returns in your 401k accounts this year so far, assuming it’s not 100% self directed to allow you to buy anything on the open market?

I rarely touch the 401k. Basically, I bought funds in each category (large cap growth, large cap value, mid cap growth, mid cap value, small cap growth, small cap value, international, bonds,income), with preference to index funds if available limited to my company plan…..

It’s May and my this year’s return is a pathetic 2.5% so far… That’s lower than the loan rate that I pay to myself borrowing out of my 401k…And much lower than the rate of return on rental property (tax deferral/tax exemption issues aside) or self directed investments elsewhere this year…..

[ocrenter]

I’m not much better, 3.1% this year.

But I’m not really complaining since last year it pulled in almost 28% for me. I’m sure everybody did pretty well last year too. Just average the numbers out and you won’t feel so bad. 🙂

[svelte]

Just checked now.

2.69%

[Essbee]

3.46% on one account…
3.06% on another.
I have two more smaller ones, but I don’t feel like logging onto those websites to find out.

[Coronita]

Fidelity stinks… That is all 🙁

[paramount]

2.99 as of Friday 5/23

[SK in CV]

by way of comparison, the S&P 500 is up about 2.8%. NQ and Dow 30 are pretty much flat.

[joec]

[quote=SK in CV]by way of comparison, the S&P 500 is up about 2.8%. NQ and Dow 30 are pretty much flat.[/quote]

Funny that I just updated my portfolio numbers today.

Up 3.96% …Course, I was only up 15% last year…when the S&P last year was up 29.6%.

Kid’s 529 is up 3.26% so far.

I think unless you have large concentrated positions in your portfolio, most people would be close to the averages in general…

[CA renter]

Up just 1.7% because I’ve positioned it in preparation for what I believe will be a crash within the next year or two.

Definitely hurts, though. 🙁

[an]

401k – 2%
529 – 3.3%
IRA – 16.2%
Brokerage 47.25%

I had a little lucky streak between February and April. Lets just hope I can manage to at least end the year with those gains. Still have a long 7 months to go.

[UCGal]

I wasn’t sure how to extract my contributions to get the real rate of return accurately. I took the current value, subtracted my contributions, and compared it to the value 12/31.

With that method my 401k made about 2.5%. If you start in Feb, it’s a lot better…January sucked.

My rolled IRAs did better – about 5.5% YTD.

I used the same method at the 401k for calculating 529’s… subtracted out contributions to date, then figured the gain. Not the most accurate since contributions had gain since they were added. 529’s returned 4%

[Coronita]

Thanks folks for the feedback..Yeah, I was just curious…

The other accounts (529, rollover IRAs, individual self directed accounts) seemed to perform better this year. For whatever reason, my fidelity 401k seemed like it was just sucking wind.

Looks like everyone’s 401k is approximately equally sucking wind, so I feel better more or less, though my seem to be sucking slightly more than others.lol….

[Coronita]

Ok, as an added bonus question.. What is everyone’s current 401k allocation (and 401k, assuming subjected to the limits of your company’s/employer’s constraints)….

I’m doing about

20% large cap,
15% mid cap,
15% small cap,
10% bonds,
20% international emerging markets,
20% cash/loan to myself…

And as an second bonus question. Do you plan on rebalancing in the near future, and if so, what do you think will be doing and when? And also, are you really going to rebalance equally, or are you going to nudge things slightly one way or the other toward an class of investments?

[UCGal]

[quote=flu]Ok, as an added bonus question.. What is everyone’s current 401k allocation (and 401k, assuming subjected to the limits of your company’s/employer’s constraints)….

And as an second bonus question. Do you plan on rebalancing in the near future, and if so, what do you think will be doing and when? And also, are you really going to rebalance equally, or are you going to nudge things slightly one way or the other toward an class of investments?[/quote]

My 401k choices are less than optimum (a lot of funds with high fees – with 2 exceptions… I’m in those 2 exceptions.)

I have 30% in a stable value fund that’s paying about 2.5%. Better than any other fixed income option for me right now.

I have 70% in a Vanguard total market institutional fund.

That said – my 401k is a VERY small piece of my overall investible assets – I rolled my old 401k out to an IRA last year when my employer spun off my division and sold us. Everything else is self directed in Schwab and Fidelity accounts.

Our overall asset mix is 60% equities, 40% fixed income.

Breaking that down further:
40% large cap
10% mid cap
10% international
25% bond funds (about half short term, half total market – with some tips in there too.)
15% cash/cd’s.

I rebalance whenever it’s 4-5% out of this allocation. Right now it’s holding pretty close. None are out more than 3%.

[Coronita]

Another day another record close….

Shorts are getting the arses kicked…

[Author]

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