401k Rate of Return: mid year edition

[Ns1]

So how's your 401k doing so far?

I think I'm happy with my results but I'm not sure. Planning to move 75% of it back into stocks in a year or so (I don't think we've hit the bottom yet)

Personal Rate of Return from 01/01/2010 to 06/30/2010 is 2.3%
73.98% CAPITAL PRESERVATION
26.02% BOND INDEX

 

[Regs]

I imagine you want it higher than inflation rate, no?

 

[JoPh]

-3.3%

 

[edro]

-3%

 

[Ns1]

I imagine you want it higher than inflation rate, no?

I want it to be not negative

 

[Blackjack200]

I want it to be not negative

How old are you?

 

[Ns1]

How old are you?

almost 27

 

[Blackjack200]

almost 27

Assuming that you are contributing a fixed amount every pay period to the same funds (which is what I do), A negative return is actually better at your age. If the price of your investments goes down, then your money will buy more of them.

i.e. you're still on the "buy low" side of things. You should be hoping for low prices on the S&P.

 

[Turin39789]

I'm more than 20 years from retirement, I haven't even looked at it.

 

[Ns1]

Assuming that you are contributing a fixed amount every pay period to the same funds (which is what I do), A negative return is actually better at your age. If the price of your investments goes down, then your money will buy more of them.

Isn't that exactly why putting all my money into bonds until I feel the stock market is ready to pick up? So I can move all that money back into stocks and "buy low"?

Wouldn't putting money in AND THEN having a negative return be the equivalent of buying high?

 

[vshah]

ytd 5.56%

 

[Blackjack200]

Isn't that exactly why putting all my money into bonds until I feel the stock market is ready to pick up? So I can move all that money back into stocks and "buy low"?

Wouldn't putting money in AND THEN having a negative return be the equivalent of buying high?

That's why I said 'assuming you're putting in a fixed amound each period into the same funds'.

If you are timing the market so you are buying when it's low, and moving into bonds when it goes down, you are a more sophisticated investor than me. In fact, you should probably be running a hedge fund.

 

[AMCRambler]

3.7%

 

[AMCRambler]

Isn't that exactly why putting all my money into bonds until I feel the stock market is ready to pick up? So I can move all that money back into stocks and "buy low"?

Wouldn't putting money in AND THEN having a negative return be the equivalent of buying high?

That's my thought process too. When it tanked at the end of 2008 I moved 90% into bond funds. I've been gauging when to go back to stocks. I think we're almost there now that the housing market has turned around.

 

[rcpratt]

I only have one bond option in my 401k (PIMCO Total Return Inst CL), but at this age (22) it's probably better with my investment knowledge to just dump most of it in stocks anyways. It's got to bottom out soon.

 

[Ns1]

That's my thought process too. When it tanked at the end of 2008 I moved 90% into bond funds. I've been gauging when to go back to stocks. I think we're almost there now that the housing market has turned around.

Personally I think EU/Asia need to tank first.

 

[AMCRambler]

Personally I think EU/Asia need to tank first.

Well, there's definitely a global economy concern there but I don't think the EU plays into our economy that much. I think we're definitely more tied to the Asian markets than we are to Europe.

 

[Blackjack200]

Well, there's definitely a global economy concern there but I don't think the EU plays into our economy that much. I think we're definitely more tied to the Asian markets than we are to Europe.

I don't know if I agree with that. I would think we sell far more products/services in Europe than Asia. Asia is certainly important, but I would think Europe is a bigger concern.

 

[Kelvrick]

I'm not smart enough to know when the market is on the up swing. I upped my contribution to 10% of my salary to meet the maximum match amount from my employer at the beginning of the year. As long as it the dow stays around 10k or under, I'm happy as I figure I'm buying cheap. I'm only 26, so it has plenty of time to go up.

 

[cliftonite]

.38 lol.

 

[mb]

Up 4.3% 1/1/10 to 3/31/10
Down 10.23% 4/1/10 to 6/30/10
Down 7.15% 1/1/10 to 6/30/10

fuck

 

[Kev]

2.89%

 

[akshatp]

-7.43%

 

[Jassi]

Your cumulative personal rate-of-return during this period: -6.6%

Large Company : 57%
Small/Mid Co. : 20%
Intl/Global : 15%
Bonds : 5%
Other : 3%

All index funds.

 

[Printer Bandit]

-14%