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so about how much has your 401k plan returning to you this year. mine is 4.8pct.

A

abc

Diamond Member

I'm with fidelity. they have a click link where they show you how much your whole 401k portfolio has returned from 1/1/03 to 3/31/03.

For me, it's returned 4.8 pct this year.

Is this high, avg. or low would it sound. wonder what i can do to get better returns.

 
What is your 401k invested in? The market is up for the year, so most mutual funds are up too. If you aren't in an index fund, preferably one that tracks the Standard & Poor's 500 index, get in one! The S&P 500 beats 80% of all professionally managed funds over the long-term. And for the long-term, I mean 30 years or greater. Unless you want to make investing a very time consuming hobby, the best thing to be in is an S&P 500 index fund.

You shouldn't be worried about the short term performance of your 401k, though. How will it do over 10, 20, 30 years or longer...it depends on how old you are. NEVER focus on the short term with that 401k. If you're in that index fund, you can expect to make around 11% a year.
 
Originally posted by: Taggart
What is your 401k invested in? The market is up for the year, so most mutual funds are up too. If you aren't in an index fund, preferably one that tracks the Standard & Poor's 500 index, get in one! The S&P 500 beats 80% of all professionally managed funds over the long-term. And for the long-term, I mean 30 years or greater. Unless you want to make investing a very time consuming hobby, the best thing to be in is an S&P 500 index fund.

You shouldn't be worried about the short term performance of your 401k, though. How will it do over 10, 20, 30 years or longer...it depends on how old you are. NEVER focus on the short term with that 401k. If you're in that index fund, you can expect to make around 11% a year.
Click to expand...

And when I say 11% a year, thats over the long-term, not every year. Some years will be negative, others way more than 11%, but the average over time will be 11%.
 

from 1/1/03 to 3/31/03, my 401k is up about 11%. but of course it's up more than that as of today. i took a gamble by putting 30% of my vested amount (and future contributions) into S&P500 index fund, and 40% into HighTech fund at the beginning of the year, when the market was doing really bad (other 30% being large cap value, and all my employer contribution is in form of company stock fund). so far, it seems to have paid off. since i'm maxing out my 401k, return has been pretty decent.

 
Originally posted by: huey1124
from 1/1/03 to 3/31/03, my 401k is up about 11%. but of course it's up more than that as of today. i took a gamble by putting 30% of my vested amount (and future contributions) into S&P500 index fund, and 40% into HighTech fund at the beginning of the year, when the market was doing really bad (other 30% being large cap value, and all my employer contribution is in form of company stock fund). so far, it seems to have paid off. since i'm maxing out my 401k, return has been pretty decent.
Click to expand...



huey, is that with fidelity's s & p index fund - spartan?
 
and oh, i am with the following:

fidelity aggressive growth

fidelty value

fidelity cap & income

fidelity inter bond

these are giving me 4.8pct so far... on about 7,000 in a 401k.
 
I think I'm about break even for the year (my portfolio was largely small caps and I haven't bothered to rebalance recently).

While it's good to make progress, keep in mind that short-term gains aren't important, it's accumulation and long-term growth that matters (anyone with a 401(k) back in the 97-99 timeframe will tell you what good those short-term gains were, unless they happened to get out right when everything tanked). In fact, the depressed prices in my portfolio now are what make me even more positive about the future. I don't need the market to be booming now, I need it to be booming in 30 years.
 
Originally posted by: abc
Originally posted by: huey1124
from 1/1/03 to 3/31/03, my 401k is up about 11%. but of course it's up more than that as of today. i took a gamble by putting 30% of my vested amount (and future contributions) into S&P500 index fund, and 40% into HighTech fund at the beginning of the year, when the market was doing really bad (other 30% being large cap value, and all my employer contribution is in form of company stock fund). so far, it seems to have paid off. since i'm maxing out my 401k, return has been pretty decent.
Click to expand...



huey, is that with fidelity's s & p index fund - spartan?
Click to expand...

i think so, but not 100% sure (too lazy to look up)
 
The fund is down 10% this year, but then again, It was going up as the tech bubble was bursting, so I am pretty happy with it.
In the last 3 years since I have been investing, I have been making 10% year average 🙂
 
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