No. of Recommendations: 0
I had been investing fully into a S&P500 index fund in my 401k for the last 2 years (great time to get started *grin*). Still down 10-20% since I started but it's not looking too tragic anymore.

Anyway..

The 500index is passively managed with an expense around .23

I've just changed my future allocation to be
55% s&p500
28% Mid cap index <.3% expense
17% Small Cap index <.3 expense

I have been investing with individual stocks in my Roth and have done pretty well (Thanks MO!) But am a little worried that we may find the S&P not growing very much the next couple years. It seems that all the big companies are having their values pressured as accounting concerns continue making their rounds. I'd like to see a gain on my 401k (at least by the time I retire hehe) So would like to know if this looks wise? I'll take opinions with a grain of salt (as you should mine) but I'll always take some reaffirmation :)

I'm definately not giving up hope, i should be excited by the buying opportunities, but i worry about another market drop as I hear about consumer confidence falling, consumer debt rising and see people being layed off by my employer...

There is a fixed option available to my plan at just over 7%...

but i know i can do better than that :)

nothing like thinking out loud :P -Dan
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