401K Help

[Danzig]

Originally Posted by 2MinsToPost

This is how I have been working my 401K at work for a while now. I have decided to research these following 10 funds and try to get more aggressive with my 401K. Any advice you might have on the following 10 funds would be greatly appreciated! I plan on reading what some of you have to say, reading as much as I can in various publications and asking several people questions and then the first of the year make some changes. Thanks in advance!


Vanguard Inflation-Protected Securities
10% Mellon Stable Value Fund, Class I
10% Bond Index Fund
5% Oakmark Equity and Income I Fund
20% Stock Index Fund
5% Hotchkis & Wiley Large Cap Value, I Shares
10% Davis NY Venture Fund, Y Shares
10% American Funds Growth Fund of America, Cl R5
10% American Funds EuroPacific Growth, Cl R5
10% Aston Mid Cap, N Shares
10% Laudus Rosenberg US Small-Cap Fund, Advisor

from reading the above, you already are in these funds, but now you're going to research them?

my advice would be to get help from someone who gives investment advice. surely your 401-k has something in place for you to research what you have available.
divvying up into 10 funds tho seems like too much work, too many funds.
we use four. we're somewhat limited, as the company only goes thru vanguard, which has a good selection. but i see no need to spread too thin. you have to go by your age, age at which you wish to retire, money you plan to have saved, and the risk level you are willing to play at. of course younger can go more risk, more reward, while those closer to retirement want the least risk. not as much time available to correct any downward trends.
and the younger you begin, the better off you are. also, see if your plan will automatically adjust upwards from one year to the next on your portion you pay out. we can do that, and it makes it easier to pay more into an account, as you don't miss money you don't see--we have it set to increase each june, when tony gets his raise.