Misc, help me pick my 401k investments

[Glutebrahhh]

I assume everyone will ask if I want low or high risk, I'd probably go for high risk.

Which ones would misc recommend?



reps for all, thx

[SouthDakotaBrah]

Put it all in Vanguard VIF Equity Index (srs)

You can diversify and put some in Mid Cap and Small Cap as well if you want

avoid bonds (including the Target Retirement Date funds) if you don't want low risk low return investments

[Howiester]

I do the lifecycle fund based on retirement age. They rebalance the portfolio for you as you become an oldcel. Aggressive now and conservative later.

[EasternHammer]

Realistically I would want more information than just the name of the fund, lol. Expense ratios? Top 10 holdings? Turnover %?

[MisterDiapers]

these are all kinda trash tbh.

VTSAX, FXAIX or bust

but go with VIF thats the best on the list

[Glutebrahhh]

Put it all in Vanguard VIF Equity Index (srs)

You can diversify and put some in Mid Cap and Small Cap as well if you want

avoid bonds (including the Target Retirement Date funds) if you don't want low risk low return investments

I actually spotted this one from all the talk on misc. I wondered about it but for some reason my boss was like 'nah' w/e he old

I do the lifecycle fund based on retirement age. They rebalance the portfolio for you as you become an oldcel. Aggressive now and conservative later.

I do not see this one.. But I'm gunna be young for a while yet so I'm cool just stuffing everything into an aggressive one for now.

Realistically I would want more information than just the name of the fund, lol. Expense ratios? Top 10 holdings? Turnover %?

Well dang homie that's very insightful but this is all I got right now.

[topper1]

Awful selection almost to the point I would say to just start an outside account.

T. Rowe price blue chip growth is likely the best fund on the list based off of returns in the last 20 years.

[SouthDakotaBrah]

Awful selection almost to the point I would say to just start an outside account.

T. Rowe price blue chip growth is likely the best fund on the list based off of returns in the last 20 years.

You're pretty dramatic, VIF is literally the S&P 500

[RobParks2M]

You're pretty dramatic, VIF is literally the S&P 500

So bad he better skip the company match on his contributions because the options are SOO BAD lmaooo who wants insta 100% gains?

[gixxer0.6g]

100% crypto. Srs.

We are about to witness a huge pump and dump in the market. America is bankrupt

[RobParks2M]

100% crypto. Srs.

We are about to witness a huge pump and dump in the market. America is bankrupt

So your plan isn't to own productive businesses when currency issues arise...just hold an alternate currency... lolkay

[topper1]

You're pretty dramatic, VIF is literally the S&P 500

Fair enough did a quick search couldn't find a lot of info on the fund in the 30 seconds I looked.

In that case I would agree that is fine place to put the money, still stand by the T Rowe blue chip being very solid as well.

[imbeingcereal]

For retirement money, just stick it in some equivalent of VTI, VOO, or VT for equity and maybe a total bond market fund, depending on your level of risk-aversion. There's no need to overcomplicate this because historically, any of the 3 securities I mentioned have proven to compound and grow enough to help you comfortably retire. For personal investments, you can degenmaxxx or bet the farm on black, but be conservative with your retirement money IMO.

[MoeBettuh]

You're pretty dramatic, VIF is literally the S&P 500

Just wanna point out that the VIF CUSIP ending in 5301 is the one we’re talking about here (there are mid cap and Barclays agg index options on the list as well).

[_zman]

Awful selection almost to the point I would say to just start an outside account.

T. Rowe price blue chip growth is likely the best fund on the list based off of returns in the last 20 years.

I'd probably start with the T. Rowe as well and look at the history of the rest of the funds for some diversity if needed, don't know what OP holds outside of this account.

[RoccoSifred]

You're pretty dramatic, VIF is literally the S&P 500

He is not being dramatic. All the funds are sub-par compared to retail managed funds. To put this in perspective my total pre-tax networth increased 61% 2020. This is with mixed allocation, because I am older than most of you boyos.

OP, what, if any, is your company match? I would contribute that amount and nothing more. Then open an IRA with a retail broker (TD, fidelity, etc) which will give access to better funds.

When I have time later this week I will check my fidelity research portal to compare your available funds.

Edit: i just took a cursory look. it looks like you work for a SMB and your plan administrator is an outside contractor. These type of offerings are great revenue streams....for the plan administrator

Vanguard VIF Equity Index expense is extremely high for an index fund .15%. Comparable index funds are .01-.02%
The T.Rowe Blue chip is your best bet. Its a managed fund but the expenses are reasonable. Puglia is the fund manager, but his team is very good.

So my advice is still the same. Contribute up to company match and no more. If you can afford to invest more, open a retail IRA account and max it out with better funds.

[Camaro68]

He is not being dramatic. All the funds are sub-par compared to retail managed funds. To put this in perspective my total pre-tax networth increased 61% 2020. This is with mixed allocation, because I am older than most of you boyos.

OP, what, if any, is your company match? I would contribute that amount and nothing more. Then open an IRA with a retail broker (TD, fidelity, etc) which will give access to better funds.

When I have time later this week I will check my fidelity research portal to compare your available funds.

Edit: i just took a cursory look. it looks like you work for a SMB and your plan administrator is an outside contractor. These type of offerings are great revenue streams....for the plan administrator

Vanguard VIF Equity Index expense is extremely high for an index fund .15%. Comparable index funds are .01-.02%
The T.Rowe Blue chip is your best bet. Its a managed fund but the expenses are reasonable. Puglia is the fund manager, but his team is very good.

So my advice is still the same. Contribute up to company match and no more. If you can afford to invest more, open a retail IRA account and max it out with better funds.

I agree on the Blue chip pick, but I dont think you can recommend opening an IRA account without more info. Ie what he is going to make in a year, marginal tax rate etc. Will the 401k be ROTH or Traditional? Is he a "high income earner"?

I have access to a ROTH 401k via my employer, I max this out each year..looking for more options to stick money, I THEN opened an IRA once the 401k was maxed out, the IRA is traditional as I can not contribute to a Roth IRA due to income limits, so Trad IRA is it...You also have to consider how much he will be contributing...if he really wants to sock alot away before wife/kids he can contribute up to $19500/yr in the 401k....the IRA is limited to 6000k/yr assuming he is a W2 employee. Once those two are maxed, the next option IMO becomes an HSA if it is available as it is the only triple tax advantages vehicle.

OP if you want a choice, I would go with Blue Chips, something that tracks the SP500 with the lowest expense ratio...if unavailable I would pick the highest (longest out) target date fund and set it and forget it. If you plan to retire in 2040 for instance...but the longest target date fund is 2065...choose that one, that will give you more market exposure and less allocation to bonds etc. These also usually have very low expense ratios.

Another tip, your provider should have a rep that will explain things to you and help you set up etc. Seeking investment advice on a BB forum will get you mixed results and it really is specific to your personal situation and goals.

Disclaimer: I havent been on the MISC for probably over a decade, my first log in on a whim and I couldnt believe I remembered my password. I have been doing my own investing since I started my career out of college and it has grown to well over 7 figures.

[AccountingMajor]

No bonds. Old men give advice that bonds always beat stocks.

Look how low the earnings are now. Completely worthless.

Then they say crap, like don't invest short term, and at the same time try to convince you to buy bonds by saying that stock might go into a recession in the short term

[xpin2winx]

100% crypto. Srs.

We are about to witness a huge pump and dump in the market. America is bankrupt

If I remember correctly, during the last market crash, bitcoin tanked and almost mirrored the sp500.

[Romancoholic]

Crypto + tech stocks all the way.

Go for nvidia,btc,eth...