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How do I pick which funds to invest my 401k $ in? |
I'm 26... how do I figure out which funds are high risk, low risk, etc.?? If your young, pick a few high risk investments, and a few medium risk. the little you will loose if it fails will not be a big deal in the scope of things. as you get older, change it to more stable investments. THe big thing is, once you pick it, FORGET IT!! do not take a loan against it, do not change it around every time the market bounces, just leave it alone. change it maybe every 5yrs... why? because if you do like me you will have 200+K in your 401k by the time you are 30. Otherwise you will end up like the other morons and have 10k and wonder how your going to pay back the loan you owe. Try a lifecycle fund. (i.e. a 2025 fund if you are going to retire in 20 years). Let a professional do it for you. Choose the one with the highest long term return, small caps or International if you can. Find the 3 funds that have the best 10 year rate-of-return. Or if 20 year data is available, use that instead. |
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I think that the funds are smart. Chinese companies are indeed growing at a very fast rate, with China's economy expanding at breakneck speed. In around a decade or less, China (maybe with Ind... the vanguard sp 500 is yoiur best bet...it follows the market pretty closely and pays almost 2% in yearly dividends ...Wow- ther are some really bad answers here so I had to interject. I understand what you are asking even though some people have chosen to nitpick on the "recession" issue. What you... i dont know if this helps but, you cant use your funds if you dont completly own the s-corp. meaning, you need enough money to pay cash for the s-corp. no loans are accepted. so if the s-corp is $2... Try Vanguard Funds -- low fees, solid funds. ...Even with mutual funds I would diversify a little. All of the growth is in China, LA, Emerging Markets. Here's 3 great no-loads: AIM China, Direxeon LA, Profunds Ultra-emerging (all over 10... Market really doesn't work that way. Because if it did, everyone would be in on it. Such claims are for scam artists. You will just end up wasting your money. ...The general rule of thumb is to always max out your 401k and Roth IRA first. The advantage to doing this with a 401k is pretty obvious, in that your getting a tax advantage and your employer is gi... |
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