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

[Anonymous]

Since not planning to retire for at least another 20 years, I am doing what I have always done. Max out both 401k and IRA and both in S&P funds and not think about it. It's what Warren Buffet advised many years ago and it's done very well for me. Much better than I could have ever expected. Not worried about temporary dips freaking people out and the doom and gloom wishcasting that is typical of DCUM.

[Anonymous]

target date retirement fund

[Anonymous]

Anonymous wrote:S&P index

This.

[Anonymous]

Anonymous wrote:Since not planning to retire for at least another 20 years, I am doing what I have always done. Max out both 401k and IRA and both in S&P funds and not think about it. It's what Warren Buffet advised many years ago and it's done very well for me. Much better than I could have ever expected. Not worried about temporary dips freaking people out and the doom and gloom wishcasting that is typical of DCUM.

Just take the Ronpeil approach: set it and forget it.

[Anonymous]

47yo. S&P index.

[Anonymous]

TINA

[Anonymous]

I also do target funds to avoid having to deal with rebalancing. Since I use low cost funds it feels worth it to me. I’m in my late 40s and in the last year switched my new contributions to a more aggressive target fund, while leaving all my existing funds in a slightly more conservative fund.

[Anonymous]

I'm staying away from stocks until Trump is out of office. For now we are in safe US Govt bond funds.

[Anonymous]

Anonymous wrote:

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?

If you're 20 years from retirement, there's no point in getting worried about this year.

[Anonymous]

Anonymous wrote:S&P index

+1
Keep it simple. Great over the long term

[Anonymous]

I would not put in SP500 right now. US seems to be super unstable right now, especially with the orange "liberation day" approaching.

This Marketplace interview was freaking sobering.
https://www.marketplace.org/2025/03/25/how-bad-would-a-recession-be-right-now/

Ezra Klein also had a similar interview with a different economist. It's best to either diversify into exUSA or just decent yielding money market to survive this incoming economic shitstorm.

[Anonymous]

Anonymous wrote:I would not put in SP500 right now. US seems to be super unstable right now, especially with the orange "liberation day" approaching.

This Marketplace interview was freaking sobering.
https://www.marketplace.org/2025/03/25/how-bad-would-a-recession-be-right-now/

Ezra Klein also had a similar interview with a different economist. It's best to either diversify into exUSA or just decent yielding money market to survive this incoming economic shitstorm.

Liberation day won't be until 2028 ... I'm staying out of stocks until then. This administration is too crazy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I would not put in SP500 right now. US seems to be super unstable right now, especially with the orange "liberation day" approaching.

This Marketplace interview was freaking sobering.
https://www.marketplace.org/2025/03/25/how-bad-would-a-recession-be-right-now/

Ezra Klein also had a similar interview with a different economist. It's best to either diversify into exUSA or just decent yielding money market to survive this incoming economic shitstorm.

Liberation day won't be until 2028 ... I'm staying out of stocks until then. This administration is too crazy.

2029, actually.

[Anonymous]

Anonymous wrote:Since not planning to retire for at least another 20 years, I am doing what I have always done. Max out both 401k and IRA and both in S&P funds and not think about it. It's what Warren Buffet advised many years ago and it's done very well for me. Much better than I could have ever expected. Not worried about temporary dips freaking people out and the doom and gloom wishcasting that is typical of DCUM.

It’s actually funny because the doom and gloom is *not* typical of DCUM. In fact, more typical of DCUM is an irrational exuberance about stocks: until just a couple of months ago, people were always posting here about how easy it is to make money in tech stocks and that beating the S&P 500 was, in fact, easy.

And, of course, now you have the other extreme with the nonsense about staying in cash for the next four years, lol. It just goes to show that even supposedly educated people make serious investing mistakes, both on the upside and the downside, and that dollar-cost averaging into the S&P 500 really is the best strategy for almost every human being alive.

[Anonymous]

I initially dropped my TSP to the 5% minimum for a match and changed my allocations to 80% G, 10% I, 5% C and 5% S a few weeks ago when I saw the writing on the wall. I’ve only lost $2k in value. I’m planning to go back to maxing my contributions but keep those allocations for awhile. I think we’re in for a long road.