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No politics- How’s your 401K doing for you? #5299364 12/19/19 07:19 PM
Joined: Feb 2019
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P10crew Offline OP
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Please no politics.
Today I spent 3 hours with my advisor doing the last adjustments I will do prior to retirement.. I have been in 2 domestic funds and 1 international fund and a bunch of overtime cash gambled in stock for almost 34 years. We started from the beginning and Monday morning quarter backed every move we made since the beginning. Lots of moves could have been better but for the most part we are both happy with the end. Should have put way way more in Roth, when I put a big big side bet on ATK in 08 I should have put way way more on that. Woulda coulda shoulda! Overall the 401K system has worked for me and if they leave it alone it should work for all generations to come.
How is your doing and what would you do different if you had a second shot? Thanks

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299380 12/19/19 07:36 PM
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Eric Smith Offline
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The rate of return is at 21.4% for my 401k and the wifes is at 15.37%. I moved most of ours to Vanguard with low expense ratio's which helped quite a bit this year. No roth yet but once the house is paid off we'll max out the 401k and then start working on the Roth. I'm stupid for not starting at my first job, I could be retired now easily at 39.


05 Chevy 3500 (Class C RV) 66k
04 Escape 166k
02 Focus 145k
00 Dakota 93k
91 Festiva 257k .. Rust bucket
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299383 12/19/19 07:37 PM
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Mr Nice Offline
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I only invest in domestic funds for the past 30+ years.

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299389 12/19/19 07:43 PM
Joined: Jan 2010
Posts: 3,017
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JeffKeryk Offline
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Anyone who is in the market is doing well. It's been on a 10 year run which is unprecedented.
My 401K is pretty conservative.
My other investment products pretty much defy common investment sense.
But that's Silicon Valley. Go big or go home.


2018 Tesla Model 3, Medium Range Battery
2018 Lexus RX450h
2013 Lexus GS350 F Sport
2006 Acura TSX
2001 Tundra Access Cab, 1998 Accord LX, 1968 Corvette L36 Roadster, 1965 Olds 4-4-2
Re: No politics- How’s your 401K doing for you? [Re: Mr Nice] #5299392 12/19/19 07:45 PM
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KJSmith Offline
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Its been a good year... I have mine a little more conservative.
I am a little under 2 yrs from retirement and am at 24% ytd.

Last edited by KJSmith; 12/19/19 07:47 PM.
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299395 12/19/19 07:53 PM
Joined: Jul 2010
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ZeeOSix Offline
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Originally Posted by P10crew
Overall the 401K system has worked for me and if they leave it alone it should work for all generations to come.


It will only work in a positive manner if actively managed by someone who knows when and were to shuffle the 401k investments funds around. As they say, buy low, sell high ... so with a 401k you want it in funds that give good returns, and in something safe when the market is crashing. Nobody is a total expert at managing investments however, as nobody has a crystal ball to the exact future.

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299399 12/19/19 07:56 PM
Joined: Mar 2011
Posts: 1,342
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SLO_Town Online Content
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I've been out of the market for almost 15 years now, sitting on cash. In hindsight, this has probably been the wrong choice. But, we own everything we have, including two homes that we bounce back and forth between. We have zero debt. In that sense, I feel very fortunate.

Scott


03 BMW E46 330Ci ZSP (Euro Castrol 0W-30)
10 Honda Element SC (Castrol Magnatec 5W-30)
11 BMW E90 328i M-Sport (Pennzoil Euro 5W-40)
16 VW Passat VR6 3.6L SEL Premium (Euro Castrol 0W-40)
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299401 12/19/19 07:59 PM
Joined: Jan 2007
Posts: 2,632
rsylvstr Offline
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22% YTD


2013 F150 SCrew Lariat 4X4 5.0 3.55
2012 Altima SL that still vibrates.
2018 Polaris Sportsman 850 SP. Polaris fluids and filter.
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299404 12/19/19 08:04 PM
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Posts: 12,408
PimTac Offline
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Mine has done very well. I’m invested in everything all around the world. Have been for many years.


2017 Mazda CX5
Valvoline Advanced Synthetic 0w20
Roki OEM filter.
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299407 12/19/19 08:07 PM
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P10crew Offline OP
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Sounds good good good

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299409 12/19/19 08:10 PM
Joined: Jul 2008
Posts: 1,338
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rubberchicken Online Content
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I have some in a few foreign funds, and one that does emerging markets like India, China etc. Domestic has done well overall, foreign not nearly as well.

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299412 12/19/19 08:13 PM
Joined: May 2012
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zzyzzx Offline
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Averaging >10% per year, since 1992.

Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299413 12/19/19 08:16 PM
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Donald Offline
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I see no reason to invest in any funds other than index. Until you get close to retirement then you need some bonds.

Many people invest in their own company in 401K or money markets or actively managed funds. Why?

The issue I see is many 401K offer limited selections in the way of index fund. My 401K has one.

People younger than baby boomers (for the most part) need to make sure they are getting the most they can from their 401K. Its their retirement. For my wife and I with defined pensions the 401K will not be our primary source of income.

Everyone who has a company match 401K should put at least what the company matches into a 401K. You are giving up free money if you do not.


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299415 12/19/19 08:16 PM
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Macsignals Offline
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Just started a Roth in August with my company and just turned 27... The company I work for just changed from Mass Mutual to Prudential so I have to go back in next month and reselect everything. I need to make an appointment with someone to make choices as opposed to sitting on the defaults.

I have a Roth through Bank of America/Merrill Lynch I try and put overtime and side work towards that I also need to sit down and plan out, have had it for a couple of years since I never had a job with any kind of set retirement plan until now.


-Ian A.
Mine:
2016 GMC Sierra 1500, L83 5.3L V8. Castrol Magnatec 0w20, Bosch 3502 oil filter. Daily driver.
1992 Dodge Dakota, 3.9L V6. Delvac 10W30, Napa Silver filter. Out of service for restore.
Re: No politics- How’s your 401K doing for you? [Re: P10crew] #5299416 12/19/19 08:17 PM
Joined: Feb 2019
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P10crew Offline OP
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My international shares are doing well now but I should have ditched them in about 02. They did so danged well for so many years that I just couldn’t believe what the bottom line was showing so I rode with them and now finally they are back .

Last edited by P10crew; 12/19/19 08:18 PM.
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