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Let's talk allocation! I've my 401(k) for 4 years now (I'm 30) and have always maxed this and my ESPP contributions. In the past, my company matched up to $2000 a year with immediate vesting. I would max out my contributions to 20% at the beginning of the year and then changed it to like 1% once I hit the matching level. I figured that it's best to get that money into my account as soon as I could. This past year my company changed how our 401(k) works and now it matches up to 4% of my salary, but it's at 4% a pay period. I couldn't max it out early and turn it off again like I had in the past. Since my salary is less than $50,000 a year, I also got screwed out of a bit of money. Whatever. They did also introduce a Roth 401k option this year if it makes a difference. I know that looking at your account's performance too often just isn't the best of ideas, but I'm down ~7% YTD and was hoping people had some ideas as to how I should distribute. When distributions are changed, should you also rebalance? Should you rebalance twice a year or on any regular basis? I'm with Schwab and here are the funds I have to choose from:
Any ideas on how I should handle this? Do you need me to post my current percentages?
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Aug 1, 2008 14:19
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| # ¿ May 3, 2024 21:02 |
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