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1
Posted on 4/11/25 at 2:00 pm to Mingo Was His NameO
So he's not down but he's not up as much as he was? Sorry the 90% gains in 5 years isn't enough. Not sure what people are expecting. If I had 90% every 5 years on mine I would have an astronomical sum of money.
This post was edited on 4/11/25 at 2:03 pm
Posted on 4/11/25 at 2:01 pm to lepdagod
Imagine caring about a bad week for your 401k when you are decades from retiring
Posted on 4/11/25 at 2:02 pm to lepdagod
Unless you're retiring next month, who cares? That's what the market does - it goes up and it goes down day to day. As long as it goes up when you retire, that's all that matters.
Put it in a target fund, set it, and forget it.
Put it in a target fund, set it, and forget it.
Posted on 4/11/25 at 2:02 pm to LEASTBAY
quote:
Not sure why the down votes, you shouldn't be down in your 401k unless you're just starting out.
What calculations are using outside of more money was there last time I checked… regardless of what the market says
Posted on 4/11/25 at 2:02 pm to White Bear
quote:
I cashed out after the 2008 crash.
Supposed to cash out before crashes and get in before bull market, you did it backwards.
Posted on 4/11/25 at 2:03 pm to FearTheFish
quote:
Put it in a target fund, set it, and forget it.
Please don’t do this. Leaving so much money on the table
Posted on 4/11/25 at 2:04 pm to lepdagod
Just checked mine: minus 3.37% year-to-date, plus 0.76% last 12 months. My portfolio is split 50/50 stocks (indexed to the S&P 500) and bonds. Looking at retiring in the next 2 to 3 years.
This post was edited on 4/11/25 at 2:09 pm
Posted on 4/11/25 at 2:05 pm to FearTheFish
quote:
target fund
Scam
Posted on 4/11/25 at 2:05 pm to lepdagod
Most 401k accounts are somewhat majorly based on the SP500 like voo or market like VTI. I'm sure if whatever app or account the OP uses has a 5,10 year or lifetime performance chart. I seriously doubt he is "down" but likely would be showing a massive gain.
Posted on 4/11/25 at 2:11 pm to lepdagod
quote:Why would you do that to yourself, are you a masochist or are you about to retire? Just be glad your contributions are buying a bigger share right now and next time it’s at an all time high you’ll have a bigger piece thanks to the dips today.
401k...Has anyone else check theirs lately… I’m down 8500…
Posted on 4/11/25 at 2:13 pm to Who_Dat_Tiger
If he was about to retire he would be in bonds I would hope.
Posted on 4/11/25 at 2:15 pm to Mingo Was His NameO
quote:Unless you are actively managing your portfolio (and let's be honest here, most people are not) and have a working knowledge of the market and the ability to stay educated on market trends, the target fund is an excellent option.
Please don’t do this. Leaving so much money on the table
Posted on 4/11/25 at 2:16 pm to FearTheFish
quote:
Unless you are actively managing your portfolio (and let's be honest here, most people are not) and have a working knowledge of the market and the ability to stay educated on market trends, the target fund is an excellent option.
Being in 75% broad market index funds, 10% mid caps, 10% small caps, and 5% internationals isn’t active management or hard at all
Posted on 4/11/25 at 2:17 pm to lepdagod
quote:
401k...Has anyone else check theirs lately… I’m down 8500…
The market is up 93% over the last 5 years. This is insanely good. Anyone with a 401k or IRA should not be concerned with fluctuations that happen in short term, e.g. last three months. This has been the case for decades.
Posted on 4/11/25 at 2:18 pm to Mingo Was His NameO
Go ask the average American to define a "mid cap" or "small cap".
Posted on 4/11/25 at 2:19 pm to FearTheFish
quote:
Go ask the average American to define a "mid cap" or "small cap".
The could figure it out in about 90 seconds with a quick google search.
Posted on 4/11/25 at 2:20 pm to lepdagod
Unless you’re retiring soon why worry? Set it and forget about it until every few years
Posted on 4/11/25 at 2:22 pm to lepdagod
quote:
I’m down 8500
That's it?
Posted on 4/11/25 at 2:31 pm to FearTheFish
quote:
the target fund is an excellent option.
Really? Because it’s more expensive, pays less dividends, and consistently underperforms (by a lot) a simple S&P index fund
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