Reply to Super-savers in 401(k) - what are your retirement plans?

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[quote=Anonymous]I forgot to log in when I posted ...

[quote]A 50% increase from January 2020 to July 2021 is impressive. This beats the S&P 500 over the same timeframe. Sounds like a 90-100% large cap growth portfolio like TBCIX, or is it something else? If you are in mostly large cap growth, how has it fared since Christmas? Most heavy growth funds are still down 20-25% since then and more than 30% since growth fund highs around Thanksgiving.[/quote]

I was spread across 20+ Fidelity funds through the end of 2020 (Magellan, Blue Chip Growth, Dividend Growth, some Select funds etc.).  My employer's program was effectively "reset" on January 2021 (all holdings were liquidated and immediately purchased into "other" investments), so I took that opportunity to finally pay attention to expense ratios and moved entirely to index funds.  I went from 100% stock-heavy funds to an 80%-20% portfolio with "only" seven or so funds like FXAIX (largest holding ... around 60%), FUAMX, FSSNX, etc.  Now, I'm rebalancing annually to add one more percent to the bond side until I reach 60/40.

I basically rode the wave back up from March 2020 to that July.  That was likely the biggest factor behind the growth.  I've probably been down as much as $500K at points in 2022, but I am slowly crawling back up.[/quote]

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