Late 40s people: Where are you putting new 401k contributions these days?

[Anonymous]

Index funds, target funds, t-bills/cash?

[Anonymous]

Stocks

[Anonymous]

Target fund, for retirement. I am doing more creative things in taxable account.

[Anonymous]

Would never do 401k, but Roth is all growth stock on sale. Too bad it has $7k max. Already did 100% return last year and this year should be even better, because most are on sale.

[Anonymous]

100% all US stock in my retirement accounts. Ride or die.

[Anonymous]

Anonymous wrote:Would never do 401k, but Roth is all growth stock on sale. Too bad it has $7k max. Already did 100% return last year and this year should be even better, because most are on sale.

The treasury secretary is suggesting they’ll be on sale for a while, likely at deeper discounts.

[Anonymous]

Anonymous wrote:Target fund, for retirement. I am doing more creative things in taxable account.

Same

[Anonymous]

S&P index

[Anonymous]

Anonymous wrote:S&P index

Same. May as well get the lower prices every month now after paying the higher ones most of the last few years. Plenty of time for the market to recover by the time I need to take money out of this account for retirement.

[Anonymous]

Anonymous wrote:Stocks

This. 100% stocks

[Anonymous]

All stocks, still have awhile to go for retirement

[Anonymous]

Target fund

[Anonymous]

I’m doing three fund portfolio using low cost index funds. 1. Total Market or S&P 500 index 2. Intl index 3. Bond index. Currently doing 70-20-10.

Target funds are the simple answer but they have higher fund fees.

[Anonymous]

100% S&P in 401K, deferred comp and backdoor Roth.

I made the mistake of not investing in stocks during COVID and taking advantage of stocks on sale. I did not sell my prior investments (thank god!), but kept my new contributions in cash/bond in 401k because I felt the world has changed forever. we all know how it turned out to be

[Anonymous]

Anonymous wrote:I’m doing three fund portfolio using low cost index funds. 1. Total Market or S&P 500 index 2. Intl index 3. Bond index. Currently doing 70-20-10.

Target funds are the simple answer but they have higher fund fees.

This is basically what I'm doing. Three funds, everything's easy to follow.