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I am 38 and have been investing in this for 4 years. Here is what I invested in:

Blended Fund Investments The Blackrock LifePath Portfolios LIFEPATH 2050 50% (not a mutual fund)

Stock Investments Specialty FID REAL ESTATE 50% (mostly common stock)

I do have more options but I am unsure if I should change my holdings right now. I know I do not want bonds (too conservative) and I think sticking with the LifePath 2050 based on my age is a good idea. Does anyone have any input for me? I was thinking of maybe changing from Fid Real Estate to Legg Mason Batterymarch U.S. Small Capitalization Equity Portfolio because the YTD return was 9.19%.


However these are all my options:

Blended Fund Investments LifePath Portfolios LIFEPATH RETIREMNT
Blended Fund Investments LifePath Portfolios LIFEPATH 2015
Blended Fund Investments LifePath Portfolios LIFEPATH 2020
Blended Fund Investments LifePath Portfolios LIFEPATH 2025
Blended Fund Investments LifePath Portfolios LIFEPATH 2030
Blended Fund Investments LifePath Portfolios LIFEPATH 2035
Blended Fund Investments LifePath Portfolios LIFEPATH 2040
Blended Fund Investments LifePath Portfolios LIFEPATH 2045
Blended Fund Investments LifePath Portfolios LIFEPATH 2050
Blended Fund Investments LifePath Portfolios LIFEPATH 2055
Stock Investments Large Cap Growth COL. MARSICO FOCEQ
Stock Investments Large Cap Growth GROWTH FD AMERICA R6
Stock Investments Large Cap Blend COLUMBIA LGCAP IDX
Stock Investments Large Cap Value DODGE & COX STK FD
Stock Investments Large Cap Value COLUMBIA LGCAP VALUE
Stock Investments Mid-Cap Blend COLUMBIA MIDCAP IDX
Stock Investments Small Cap Blend COLUMBIA SMCAP IDX
Stock Investments Small Cap Blend LM BATTERYMARCH SMCP
Stock Investments Foreign COLUMBIA INTL EQUITY
Stock Investments Foreign FID DIVERSIFD INTL
Stock Investments Specialty FID REAL ESTATE
Stock Investments -- VANGUARD TOT STK MKT
Bond Investments Intermed Government VANG INFL-PROT SEC
Bond Investments Intermediate-Term COLUMBIA BOND FUND
Bond Investments Intermediate-Term WA CORE BOND I
Bond Investments Stable Value STABLE VALUE FUND
Stock BAC (Bank of America) COM STK FUND
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No. of Recommendations: 0
Well, when faced with a large number of choices, you have to do
something to narrow the field - like putting them into comparable
boxes and then comparing the expense ratios of the ones in the
same "box" and throwing out the ones that charge a bunch.
Another option is to compare turnover ratios.

The "Lifepath" approach tends to tell you what someone else
thinks about portfolio diversification - and fits you where
they think you should be.

sometimes, you have to look at your own needs and your own
views about money. Would you lose sleep if your 401K lost
values over a year? Do you worry about volatility?

What this leads to is a recommendation that few folks really
want to hear - you need to read the prospectus of the options
and compare what they say they do to invest and compare
that with you're own views and personality.

I will say that Dodge and Cox has a good reputation.
Vangard and Fidelity have a lot of fans.
Columbia has some funds with good results but I worry
about cost ratios.

Howie52
Disclosure - I own Columbia Acorn Fund via the old Acorn Fund
being taken over a while back. The older fund was a "No Load" fund
which Columbia ain't. I would not recommend any "loaded" fund
but in the 401K world, I do not think you will find any other
options.
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