Where would you invest 401K funds today?

[Anonymous]

Target funds have bond funds included. Bond funds do poorly when interest rates go up. Just saying

[Anonymous]

OP again. Thanks all! Switched the bonds and money market allocations over to VTSAX and left everything else alone. Will see how things look when it actually gets funded in another week!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:All in stocks. S&p fund or total market fund.

+1 You're getting in on a sale. Be happy.

A sale? Okkkk

Yes. If you started buying in January you would have been buying at increasingly higher prices (fewer shares) all year long, up until this week. As of today all of 2018's gains are wiped out, so you can buy at the lowest prices we've seen this year. That's a sale.

OP here. This assumes we are at or near the bottom, though. I'm not convinced that's the case--hence my hesitation to go all in on stocks. I did already have VTSAX in my tentative mix, though, so may boost that up and pull the percent that was going to bonds (since I'm also not feeling so bullish on those right now!) I also have some set to go into their target retirement and balanced index funds, which have some exposure to both stocks and bonds already.

You're 25 years out. 25 years from now, the shares you buy today as well as the next several years will all increase in value in different t amounts. You are getting sale prices right now compared to those from earlier this year, but even shares bought earlier this year will pay off in 25 years.

Put it all in a S&P 500 indexed fund and don't worry about it.