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Financial Planning / Foolish 401(k)s

URL:  http://boards.fool.com/given-your-long-term-focus-i-think-your-current-29736804.aspx

Subject:  Re: 401K Advice Date:  12/20/2011  7:07 PM
Author:  pauleckler Number:  24809 of 25318

Given your long term focus, I think your current allocation is fine. Most of us think the economy will recover slowly. The equity investments you make now will probably do quite well. So keep buying equities for now and don't worry about short term performance.

You seem to be 100% into equities with a reasonable position in international stocks and small caps. That is fine for now.

When you get within 10 years of retirement, you might want to consider adding some bonds.

When stocks start doing well again, you will be able to see which of your funds are doing well. Judging when stocks are down is more difficult, but if you must compare them to their respective indexes or the S&P 500. But hold off for now if you can.
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