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Reply to "How do you choose the investments for your 401K?"
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[quote=Anonymous]Generally the advice is not to spread across a target date fund and another fund, because the whole point of a target date is to give you the right balance among different kinds of assets, so you'll frustrate that goal if you have a lot of money in other funds. It is also generally not a good idea to invest in things that have done well recently-- that's a good recipe for buying high and selling low. All things being equal I would probably put it all into the target date fund. Things to consider are the expense ratio (generally as low as possible is better, 0.2-0.5% is ok, over 1% is pretty bad), and how much is in stocks vs how much you think you will freak out if you open your statement and see you lost 25% or 35%. Over the long run, stocks do better, but they are more volatile, so you probably want somewhere in the range of 10-30% invested in bonds too. [/quote]
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