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Author: micahahlgren Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75340  
Subject: 401K - $$ allocation Date: 12/17/1999 4:24 PM
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What are typical/good percentage amounts to invest 401K dollars (ie: 10% foreign, small caps, etc). I have decided to put 10% in FBSCX (ASAF Founders Intl), 15% JOGBX (jANUS oVERSEAS GR), 25% JSCBX (Janus small cap gr.), 10% MARBX (Marisco Cap. Gr.), 40% JCGBX (Janus Cap. gr.). Any opinions would be appreciated!
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Author: 1Vagabond One star, 50 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16507 of 75340
Subject: Re: 401K - $$ allocation Date: 12/17/1999 4:52 PM
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I have not had good returns with bonds or mutual funds. I would not buy mf in any percentage. I sleep better with my investments in STOCKS ONLY.

Vagabond

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Author: WHTerrier Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16509 of 75340
Subject: Re: 401K - $$ allocation Date: 12/17/1999 5:14 PM
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My response is regarding allocation, 401k or whatever. If you can, compare the net asset value on a weekly basis for the various funds you listed. A graph is available somewhere. I use aol historic quotes, select custom and pick the number of weeks, the graph will appear. It is likely that when comparing the curves you will see most of the foreign and U.S. funds move together ie. one is up they all are up. If this is true why do it? Good luck.

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Author: jeffy3 One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16527 of 75340
Subject: Re: 401K - $$ allocation Date: 12/17/1999 10:24 PM
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"What are typical/good percentage amounts to invest 401K dollars (ie: 10% foreign, small caps, etc). I have decided to put 10% in FBSCX (ASAF Founders Intl), 15% JOGBX (jANUS oVERSEAS GR), 25% JSCBX (Janus small cap gr.), 10% MARBX (Marisco Cap. Gr.), 40% JCGBX (Janus Cap. gr.). Any opinions would be appreciated!"

>>>The answer to your question largely depends on your investment horizon and risk tolerance. IMHO, if you have an investment horizon of at least seven years: Index. For Foolish advice on Indexing see:

http://www.fool.com/School/13Steps/StepFour.htm

IMHO Vanguard, if available to you, is best. www.vanguard.com
Look into VFINX and/or VTSMX as your core holdings. For potential higher returns look into Vanguard's Growth Index Fund (VIGRX), and QQQ (non-Vanguard), which tracks the Nasdaq 100. See:

http://www.nasdaq.com/indexshares/nasdaq100.stm

And see the following post for some other interesting index investments:

http://www.nasdaq.com/indexshares/index_shares_over.stm

The above link is particularly useful if Vanguard is not available to you. Look into SPY to track the S&P 500. There are interesting tech (XLK) and other sector Spiders (SPDR's).

You might want to drop by the Index Fund message board for even better indexing discussions:

http://boards.fool.com/messages.asp?id=1030034000925000

Just do your homework, all you have to do is click on the above links and read.

Oh, yeah, check this for 401K info:

http://www.fool.com/money/401k/401k.htm


Good luck.

jeffy3

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Author: phooley Big red star, 1000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16528 of 75340
Subject: Re: 401K - $$ allocation Date: 12/17/1999 10:28 PM
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What are typical/good percentage amounts to invest 401K dollars (ie: 10% foreign, small caps, etc). I have decided to put 10% in FBSCX (ASAF Founders Intl), 15% JOGBX (jANUS oVERSEAS GR), 25% JSCBX (Janus small cap gr.), 10% MARBX (Marisco Cap. Gr.), 40% JCGBX (Janus Cap. gr.). Any opinions would be appreciated!

We don't know your specifics -- age, other investments and savings, expected retirement date, marital status, etc. -- and we don't know which other funds/investment options are available to you within the 401(k) -- and especially, we do not know whether you will be eligible for an employer match.

But we can comment on the funds you have mentioned. I would suggest that you check them via www.morningstar.com .
Fund      Deferred           Expense
Symbol Sales Charge % Ratio %

JCGBX 6.00 2.20

JOGBX 6.00 2.60

JSCBX 6.00 2.20

FBSCX 6.00 2.60

MARBX 6.00 2.25
All these funds look (at first glance) to have been good performers, YTD. MARBX has large holdings of QualComm, which "inflates" its performance. I don't mean "artificially inflates" -- their gains are legitimate. It was obviously partly luck that put them into the stock. But they will have to keep selling QCOM as it goes up, limiting their profits from it, compared to what you could do if you started out with a similar $$ investment in QCOM. Guess that's just a ramble...

Morningstar doesn't have performance or risk ratings for any of these funds.

The expense ratios look high to me. I prefer mutual funds with expense ratios below 1%.

Probably, as long as you leave the funds invested with this fund family, you will be able to avoid the 6% deferred sales charge. Again, we don't know your other choices -- such as your employer's company itself? Bond funds? Money market, to allow some "bottom fishing" for Y2K?

The usual advice in a 401(k) is, when your situation permits, to maximize the employer match; this might mean contributing 6% or 8%, for example, of your salary to the 401(k). But if your employer is not matching your contributions, the high expense ratios of these funds would bother me -- they could make it hard for your account to appreciate properly. (An alternative for some of your funds might be a Roth IRA.)

BTW, I looked at some of your funds via Yahoo!, since Morningstar didn't have ratings; the ones I sampled have outperformed the S&P 500 Index in bull markets, and have underperformed the S&P in bear markets. (Not too surprising, or alarming -- just something to be aware of.)

BTW, TMF provides quotes for mutual funds as well as stocks -- but I haven't had much luck finding info on mutual funds here -- I rely on Morningstar, or Yahoo!, as well as the fund family's website.

TMF does have boards that perhaps would be of benefit to you -- one on 401(k)s, and at least one on mutual funds. Look for them via the "Board"/Find combination below.

Hope this helps!
Phooley

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Author: dannari Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16531 of 75340
Subject: Re: 401K - $$ allocation Date: 12/17/1999 11:03 PM
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You can get 401k asset allocation advice from a website: financialengines.com. There is a small fee, I think it is $15/quarter. I've used the service to get the Modern Portfolio Theory optimum allocation for the 401k.

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Author: Ringfinger Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 16564 of 75340
Subject: Re: 401K - $$ allocation Date: 12/18/1999 3:13 PM
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Well, diversification depends on horizon and aggressiveness.

My personal pick is 60% large cap, 20% int'l and 20% small cap. But, I am 31, and have a long way to go.

I hope this helps.

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