Here’s a snapshot of my changes:
https://freeimage.host/i/fbS0Oej
Changed into these investments from Vanguard TDF 2065. And this morning, no surprise, it went successfully went though — Though, like we’re all seeing, US equities (Perhaps, global reaction) continues to bleed, haha.. Reasoning for this change is to rid of all bonds as I won’t introduce it until I’m nearing or in my early 50s and want to still remain super aggressive with 100% equities.
Anyhow, how’s my allocation? A few said maybe bump up international fund to maybe 15-20%? And my large cap growth can be dialed-back maybe to 10-15% as the S&P 500 makes up about 75-80% of it? Definitely not a catch-all portfolio, but since a total market is captured in my Roth IRA (FSKAX and FTIHX).
Thoughts?
Officially changed 401k investment
byu/Ok_Assignment4100 ininvesting
Posted by Ok_Assignment4100
4 Comments
such Interesting move going all equities. I get wanting to stay aggressive while you’re young, but I usually keep at least a small slice in international to balance US exposure. so for me personally, I’m also diversifying outside equities with Fundrise for real estate since it feels steadier when markets bleed like this…
Even 20% international could be seen as light, lots of places recommend 20-30% of stock.
While large growth has no doubt been great in recent years, longer term may show a different picture. Do you see either large or growth as favored factors in these? I don’t, I see the exact opposites. Factor investing starting points:
* https://www.investopedia.com/terms/f/factor-investing.asp
* https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF)
* https://www.cbsnews.com/news/the-black-hole-of-investing/
* https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side
Thats fine. Just don’t panic sell in the future. Sounds like you’re doing an awesome.
Buy some in taxable with a % of income. Something comfortable. Sell only when there is an urgent expense. That’s all personal finance is: spend less, invest more auto. Don’t panic sell.
You’re doing great!!
> And this morning, no surprise, it went successfully went though — Though, like we’re all seeing, US equities (Perhaps, global reaction) continues to bleed
…is that what we’re seeing today?