No. of Recommendations: 2
Figure out which of the funds is closest to being an S&P500 index fund. Put 100% of your 401k into that.

Joel, why do you spend all that time on VooDoo, when it is just this easy.


I went from a 5 digit portfolio to a 7 digit portfolio in about 12 years

Consider yourself a fortunate son. Using the S&P monthly returns and adding an annual contribution of $12,500 a 5 digit portfolio grew to a 7 digit portfolio on only 7 of the 184 twelve year return periods since 11/1980. This primarily culminated in the 10/1999 - 4/2000 time period. Of course the portfolio was still only worth the same (just at 7 digits) in 2006 - even while still making the annual contribution - wow that sucks.

Of course if you started in January of 1996 you would have almost $400,000. (the worst return in the test period) Lets see $100,000 + (12 * $12,500) = $250,000 in total contributions and only $400,000. That is about 5% return. What a smoking deal. Even better - putting in the $100,000 at 1576 and being now at 1333 and then even with the $12,500 annual contribution your still back to 5 digits. Opps.

100% - the entire 401(k) in an S&P fund - STUPID IDEA

Look, its late - forgive me - I don't mean to flame on -johnny! but please all of it in S&P!! scooby doo says sccaaaaaryyyy!

d(S&P)/dT is negative.......

Who thinks Voodoo is better!
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