Posted dateMarch 03, 2010 Comment
  • What funds should I invest in and at what percentages?


  • I hate to sound negative here, but that's kind of like walking into a Doctor's office and announcing "how do I get well?". No one can properly advise you on how to invest your 401K without know things like:
    1. Your time horizon, i.e. how long will you work before you retire and need this money.
    2. Your age
    3. Your family needs.
    4. Your aversion to risk, i.e. are you the type investor that needs to look at their investment performance every week and sweats when it's not going up?
    5. What investments does your 401k plan offer? Some have few options, some have many. What are the investment options your 401k offers?

    These are some of the things a trained investment advisor would ask you. These are some of the things any investment guidance book would tell you.

    My advice, go to the library or bookstore, buy a book on basic investing.


  • Not to be rude but have you people read the question?
    Your company probably offers 5 to 15 different investment choices from cash to int'l equities/bonds. Diversification and your age are key. You should research all the funds and see what you are really buying. I like yahoo finance. Report Abuse


  • wow... asshole, u could have just answered it for the guy. geeze, he prolly knows alla that ****, just give him a plain fun answer for the love of god. Report Abuse


  • invest but little by little, if i have 401 k to invest, first in use the 50k, then if it wokrs well, il use the income of that certain business to invest again to my 2nd business, dnt invest ur 401k fully, start first from 50k to 100k only, Report Abuse


  • Note if your employer offers matching funds and contribute to the largest extent that gets matched; e.g. if you get 50% match up to 6% of your salary, put 6% of your salary in if you can.+ Report Abuse


  • CD's Mrkt - sideways to negative next 18 mths. Inflation high, housing starts,sales- sliding. Bby Bmers retiring, downsizing homes, moving to safer invstmt. Momentum can't be stopped. Short term CD's or foreign investment. Mrkt not going to crash, better opportunities out there. Report Abuse


  • if you are young equity index of the s & P 500 low fees and a proven winner Report Abuse


  • to me, u should put a 25% of it in the bank, u know, for the rainy days. 50% for ur kids[or furture ones], and the other 25% is for u! have a good day^.^ Report Abuse


  • lol. i wonder who voted that as the best asnwer. if the doctor doesnt know how to get you well then i wonder why does someone pay so much for a dianosis. i would search around get an education in investing, know when to go in and when to come out of an investment also how much you want to make. Report Abuse


  • and infinite is not an answer because no one know what infinitety is. Report Abuse


  • Ya thats why the world trade center isnt here anymore, maybe you should watch the news... Report Abuse


  • http://www.24romanianpropertie... Report Abuse


  • Man, that was a useless answer. Very likely this person is not of retirement age, since the majority of workers are not near retirement. Report Abuse


  • Man, I wish I was you... I'd buy so much stuff... LOL Report Abuse


  • I'm not sure what's your position at the moment. However, in his newest book, Donald Trump advices people not to invest in 401(k) plan unless you have a salary at least $150,000/year because that plan works only like a saving account rather than tru retirement plan. Report Abuse


  • INSTEAD OF DOING A 401K TAKE THE SAME AMOUNT YOU WOULD HAVE INVESTED IN THAT AND PUT IT IN A ROTH IRA - IT'LL ALL BE TAX FREE WHEN YOU GET IT OUT...401K YOU'LL PAY TAX ON ALL OF IT Report Abuse


  • you can invest in romanian properties (http://www.24romanianpropertie... you may profit 300% after few year Report Abuse


  • OO UR LUCKY
    before investing, give some to charity, maybe just a lil bit.

    i say property is the best
    their much cheaper now, by the time u wanna sell it, it will be worth more!
    wallah
    and good luck! Report Abuse


  • U shd inv to the mx in the 401k, then mx out the Roth, then if eligible cont in a IRA. To answer your question, if u are not going to retire in the next 5 years, half in Tot Bond Mrkt and half in Tot Stk Mrkt.or S&P 500, but wait for any correction since the market is high now.
    Wallah
    Wallah Report Abuse


  • YOUR A TOOL TO THE SYSTEM. Report Abuse


  • I myself like the Monty Fool.com site its free and you can play at investing and learn all kinds of things.They also have good forums to look at and learn, try that you might like it Report Abuse







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