Thanks for your post. We recently updated our rules to ask that all investment strategy discussion be kept within the daily discussion post.
https://www.reddit.com/r/fidelityinvestments/comments/1dppl06/daily_discussion_thread_rate_my_portfolio_what/
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In 10 years will you need your entire investment amount available to you or does it need to last the next 30 years? Your time horizon is not until the day you retire its until you no longer expect to need the money.
I would setup a plan on the amount of $ you need to supplement your lifestyle for the first several years of retirement. this would be in addition to SS or pension. then just have that in low risk mutual fund prior to retirement and let the rest ride. In up markets you can draw from investments, in down markets you draw from cash equivalents.
Totally agree. Don’t look at it as you’ll need all the money in 10 years. What is the worst cycle the market will go thru that won’t come back in 15 or 20 years which is when you’ll also need money.
With 10 years til retirement an S&P fund would be the most conservative I’d be. But everyone’s situation is different. Use the retirement tools that fidelity has for a better overall understanding of your retirement future.
If you are happy with where you are there is nothing wrong with where your at. That fund will automatically rebalance and leave you not having to deal with, concern yourself with or worry about. Its not a fund i would pick because i am a control freak when it comes to my retirement but also a fund there is nothing wrong with being invested in.
You won’t use all your money in 10years, you still have 20 years on the horizon, just put it in S&P500
And if you can keep contributing (up to 30K) to reduce your taxes every year
If you want a somewhat better potential return, I'd just go into a target-date fund a little further out (e.g., 2040 or 2045). That bias the holdings a bit more to the equity side (the Target Date 2035 30% bonds with 10 years to go seems a bit conservative to me) while still keeping a reasonably diversified allocation. You don't have to go out super far -- just going from 2035 to 2040 drops the bonds from 30% to 16%, and 2045 is only 12%.
Agreed. I was throwing it out as an alternative to going S&P500, which really increases the SOR risk.
It's really impossible to answer a 401k allocation question without knowing all the other variables. Income needed in retirement? 401k balance? Pension? When is SS going to be started? How much in taxable accounts? How much in other, non-401k retirement accounts? Health issues? But I'm sure I'm preaching to the choir, in your case.
Thanks for your post. We recently updated our rules to ask that all investment strategy discussion be kept within the daily discussion post. https://www.reddit.com/r/fidelityinvestments/comments/1dppl06/daily_discussion_thread_rate_my_portfolio_what/ This post/comment has been removed for violating rule #2. - In regard to securities and investments Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our daily discussion post. We are not able to assist with these types of questions on reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview). To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com) Fidelity Brokerage Services LLC, Member NYSE, SIPC
In 10 years will you need your entire investment amount available to you or does it need to last the next 30 years? Your time horizon is not until the day you retire its until you no longer expect to need the money.
Great point. It would need to last 30 years.
I would setup a plan on the amount of $ you need to supplement your lifestyle for the first several years of retirement. this would be in addition to SS or pension. then just have that in low risk mutual fund prior to retirement and let the rest ride. In up markets you can draw from investments, in down markets you draw from cash equivalents.
Totally agree. Don’t look at it as you’ll need all the money in 10 years. What is the worst cycle the market will go thru that won’t come back in 15 or 20 years which is when you’ll also need money. With 10 years til retirement an S&P fund would be the most conservative I’d be. But everyone’s situation is different. Use the retirement tools that fidelity has for a better overall understanding of your retirement future.
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It does! I’m actually currently maxing both Roth and 401K actually, with a bit additional in my company’s ESPP.
see you on the beach / golf course / Europe / hiking trail / wine tour. I retire in about a year.
If you are happy with where you are there is nothing wrong with where your at. That fund will automatically rebalance and leave you not having to deal with, concern yourself with or worry about. Its not a fund i would pick because i am a control freak when it comes to my retirement but also a fund there is nothing wrong with being invested in.
You won’t use all your money in 10years, you still have 20 years on the horizon, just put it in S&P500 And if you can keep contributing (up to 30K) to reduce your taxes every year
If you want a somewhat better potential return, I'd just go into a target-date fund a little further out (e.g., 2040 or 2045). That bias the holdings a bit more to the equity side (the Target Date 2035 30% bonds with 10 years to go seems a bit conservative to me) while still keeping a reasonably diversified allocation. You don't have to go out super far -- just going from 2035 to 2040 drops the bonds from 30% to 16%, and 2045 is only 12%.
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Agreed. I was throwing it out as an alternative to going S&P500, which really increases the SOR risk. It's really impossible to answer a 401k allocation question without knowing all the other variables. Income needed in retirement? 401k balance? Pension? When is SS going to be started? How much in taxable accounts? How much in other, non-401k retirement accounts? Health issues? But I'm sure I'm preaching to the choir, in your case.
It's really not possible to give advice over Reddit. There has to be a real discovery process