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

[Anonymous]

I'm 50 and recently retired. I put extra rental income (not much money) into stocks, similar to the bogleheads strategy. I've always expected the stock market to be volatile and have negative returns for who knows how long...10-15 yrs?

Psychologically, the most difficult aspect of investing is that my portfolio has a significant percentage of international stocks, and it's not a good feeling to get trounced by the S&P 500 consistently.

[Anonymous]

Anonymous wrote:I'm 50 and recently retired. I put extra rental income (not much money) into stocks, similar to the bogleheads strategy. I've always expected the stock market to be volatile and have negative returns for who knows how long...10-15 yrs?

Psychologically, the most difficult aspect of investing is that my portfolio has a significant percentage of international stocks, and it's not a good feeling to get trounced by the S&P 500 consistently.

Don’t poo-poo your Intl funds, they’re likely propping up your recent returns while the S&P is see-sawing!

[Anonymous]

growth, time to buy!

[Anonymous]

Mid-forties, still maxing out at 100% equities in VTSAX. The kids' 529 plans are invested much more conservatively because college is around the corner, but I don't see myself retiring for at least 5 more years, probably 10.

[Anonymous]

Anonymous wrote:I'm 50 and recently retired. I put extra rental income (not much money) into stocks, similar to the bogleheads strategy. I've always expected the stock market to be volatile and have negative returns for who knows how long...10-15 yrs?

Psychologically, the most difficult aspect of investing is that my portfolio has a significant percentage of international stocks, and it's not a good feeling to get trounced by the S&P 500 consistently.

Err, have you looked at YTD returns?

[Anonymous]

S&P 500 Index Fund in my 401k - started a new job last year. Rolled old 401k into a IRA not 100% in an S&P 500, but about 80 percent in that...

[Anonymous]

100% stocks but that’s not working so well for me now.

[Anonymous]

95% s and p and 5 % bitcoin. I have a local government pension that I will get in 8 years (god willing) so I am more aggressive with my portfolio

[Anonymous]

I'm terrified of the Trump Dump in the stock market so we are saving in bond funds and staying clear of the stock market until 2028 at least!

[Anonymous]

What would it be very small chance that President Trump will say no tariff period before April 2nd & for the peace of our nation no contracts cut, no jobs cut in federal. Am I dreaming? We are thinking of getting back within a year or two, maybe...

[Anonymous]

Paused adding to 401k since I don’t get a match. Still adding monthly to Roth IRAs.

Decided to pay down a 7% car loan instead of add to retirement accounts.

Currently about 95%S&P. 5% bond. But I have will have a pension that pays about 1/2 our income in retirement.

[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.

Why would you never do a 401(k)?

I do 100% to my Roth 401(k). Income way over the limit for Roth IRA contributions, but I get $23.5k/year into my Roth 401(k). Most employers offer the Roth option now and there is no income limit to qualify.

[Anonymous]

Backed down my TSP to the 5% matching and I’m putting the extra money toward my mortgage. Maybe not the best idea but I feel good about it working for me for now and not losing more money in the market. I’ll up to max later this year if things are looking better.

[Anonymous]

Tech stocks, good buy right now.

[Anonymous]

I like target because it gets auto rebalanced. Rebalancing is psychologically the hardest thing to do for me.