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Financial Planning / Foolish 401(k)s


Subject:  Re: Allocating within employer plan Date:  4/29/2021  6:58 PM
Author:  RebeccaB75 Number:  26345 of 26351

We're in the same boat. We have cash/pension lumps that are locked down in bonds. So I adjust my position based on market and small/mid caps were crushing it since winter. So we had 15% international/45% small-mid and 40% large cap. I just adjusted to 10/40/50 since our international ETFs avg 6% in 10 years. I don't do any bonds. If you want to be aggressive, you could pick a target date fund for when you want to retire and add 10 years to give you more stock exposure. I'm not a fan of target date funds since many are heavy in bonds too early in my opinion.
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