Today we’re looking at how to choose the right investments for your 401k. Many investors focus on the target date funds or index funds but is there a more efficient way to pick 401k investments? We’ll dive into a recent review we did for a client to show how we reduced their volatility and were able to keep the same expected returns in their 401k.
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What software are you using here?
I don’t care about volatility you can off set it with time…I got 30 years before I’m need the money I don’t care if the entire market dived means I’m buying at a discount. Mine is 60% s&p, 20% mid cap and 20% small cap
Didn’t factor in the management fee..
Volatility is good…
Avoid the target date funds. During a normal market, put 50% in a well-diversified blue chip stock fund and the other 50% into a bond fund – preferably with at least a 5% dividend yield. When the market starts to crash or turns extra volatile, re-allocate 90% to the bond fund and only 10% to the stock fund. When the market bottoms, allocate 90% to stocks and 10% to bonds. Use stocks and bonds as variables to play against one another for your own benefit. NOT a recommendation. Do your own due diligence.
Was the new investment in an etf or did u pick the stocks and bonds for the client?
Learning a ton from your videos! Question – do you use your own app NestEgg to determine what these stats (dividend yield, max drawdown, etc) are or is there website/app where these numbers can be tracked/adjusted/etc based on the fund you are interested in?
How can i sign up i need help with all this im 23 years old i have money going to waste want to start investing and saving for my future retirement near 65 years of age please help
very interesting
Great video. Keep it up!
great info here; i do have one question though. With the day to day shaky market, is it safe to ever go 'Stable' with our 401? we have this option at our company.
Someone explain to me why it makes sense to keep cash in a 401(K)
What kind of Chad would one be if they didn't take more risk for less return?
Loved it brotha
Thanks Dustin I liked the video
Awesome info, thanks Dustin!
no closing beat tonight?
I ditched my target date fund but do wonder sometimes if what I selected could be better.
Great video
Man…how did you go from 90% stocks to 60% and still retain that growth of above 7.5…hindsight? Picking better stocks?
Did Karen ask to speak with your manager?
Hoodie down in Florida? How cold is it really? Hahaha JK I have one too. I like the warmer temps.