| Help with 401k [Which Investment?] |
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slick
New Member
Cash: $ 0.65
Posts: 3
Joined: 08 Jun 2005
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| Help with 401k [Which Investment?] |
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Hello,
i have been steady losing on my 401k and i need help! This is how i am invested as of right now.
INTERNATIONAL
FID CANADA 10%
FID LATIN AMERICA 18%
FID SOUTHEAST ASIA 18%
SPECIALTY
FID SEL HEALTHCARE 18%
BARON GROWTH 18%
TEMPLETON DEV MKTS A 18%
Total 100%
Here are investments that i can invest in. Please help!! Any suggestions would be greatly appreciated.I keep a close eye on my 401k. My company matches 50%. Oh, i am 43 years old and want to retire ASAP.
Stock Investments
LARGE CAP
FID FIDELITY
FID EQUITY INCOME
FID BLUE CHIP GROWTH
SPARTAN US EQ INDEX
FID TREND
FID CONTRAFUND
FID GROWTH COMPANY
FID GROWTH & INCOME
FID INDEPENDENCE
FID OTC PORTFOLIO
FID CAP APPRECIATION
FID DISCIPLINED EQTY
FID EQUITY INCOME II
FID STOCK SELECTOR
FID EXP & MULTINATL
FID DIVIDEND GROWTH
FID FOCUSED STOCK
FID LARGE CAP STOCK
FID GROWTH & INC II
SPTN TOTAL MKT INDEX
FID FIFTY
FID STR LGCAP VALUE
FID STR LGCAP GROWTH
FID BLUE CHIP VALUE
FID NASDAQ COMP INDX
MID-CAP
FID VALUE
FID LEVERAGED CO STK
FIDELITY AGGR GROWTH
FID MID CAP STOCK
SPTN EXTND MKT INDEX
FID STR MDCAP VALUE
FID STR MDCAP GROWTH
SMALL CAP
FIDELITY LOW PR STK
FID SM CAP INDEPEND
FID VALUE STRATEGIES
FID SMALL CAP STOCK
FID SM CAP RTMT
INTERNATIONAL
FID DIVERSIFIED INTL
FID OVERSEAS
FID EUROPE
FID PACIFIC BASIN
FID INTL DISCOVERY
FID CANADA
FID WORLDWIDE
FIDELITY EMERG MRKTS
FID AGGRESSIVE INTL
FID EUROPE CAP APP
FID LATIN AMERICA
FID JAPAN
FID SOUTHEAST ASIA
FID INTL SMALL CAP
SPECIALTY
FID SEL HEALTHCARE
FID SEL TECHNOLOGY
FID SEL UTILITIES GR
FID SEL FINANCIAL
FID REAL ESTATE INVS
FIDELITY UTILITIES
FID SEL NATURAL RES
FID SEL CYCLICAL IND
FID SEL CONSUMER IND
FID REAL ESTATE INC
NB GUARDIAN TRUST
SCUDDER INTL FUND S
DOMINI SOCIAL EQUITY
AIM CORE STOCK INV
SCUDDER GLOBAL DISC
AIM BLUE CHIP A
AM CENT ULTRA INV
ABF INTL EQUITY PA
TMPL FOREIGN SM CO A
MSI EQUITY GROWTH B
MUTUAL DISCOVERY A
BARON GROWTH
BARON ASSET FUND
CALVERT NEWVIS SM CP
CALVERT SIF:EQUITY A
CALVERT CAP ACC A
FMA SMALL COMPANY IS
ARIEL FUND
ARIEL APPRECIATION
DREY FNDRS GROWTH F
FKLN SMMIDCAP GRTH A
AIM DYNAMICS INV
AIM SM CO GRTH INV
TEMPLETON FOREIGN A
MSI GLOBAL VAL EQ B
MSIFT MIDCAP GTH ADV
MSIFT VALUE ADVISER
MSI SM CO GROWTH B
MSI EMERGING MKTS B
MUTUAL SHARES CL A
MANAGERS SPECIAL EQ
NB FOCUS TRUST
NB PARTNERS TRUST
NB SOCIALLY RESP TR
OAKMARK FUND I
ALLNZ CCM CAP AP ADM
ALLNZ CCM MID CP ADM
TEMPLETON DEV MKTS A
TEMPLETON GROWTH A
TEMPLETON WORLD A
AIM CONSTELLATION A
CS CAP APPREC COM
CS MID CAP GRTH COM
RS EMERGING GROWTH
ARTISAN INTL
MSI INTL EQUITY B
TCW GAL SM CAP GR N
TCW GAL AGGR GRTH N
MSI VALUE EQUITY B
AIM GBL AGGR GRTH A
MANAGERS CAP APPREC
MANAGERS VALUE
RS SMALLER CO GROWTH
TCW GALILEO SEL EQ N
CS LARGE CAP VALUE A
AIM BASIC VALUE A
GRTMORE MDCPGR LDR A
GARTMORE VAL OPPS A
LM VALUE TRUST FI CL
ARTISAN MID CAP INV
ROYCE LOW PRICED STK
VK GROWTH & INCOME A
SCUDDER/D HIGH RTN A
AIM MIDCAP CORE EQ A
ALLNZ NFJ SMCPVAL AD
LD ABBETT MIDCPVAL P
COL/ACORN SELECT Z
AM CEN LG CO VAL INV
Blended Fund Investments*
OTHER
FID CONVERTIBLE SEC
FID ASSET MGR GRTH
FID FREEDOM INCOME
FID FREEDOM 2000
FID FREEDOM 2010
FID FREEDOM 2020
FID FREEDOM 2030
FID FREEDOM 2040
FID FREEDOM 2005
FID FREEDOM 2015
FID FREEDOM 2025
FID FREEDOM 2035
FID PURITAN
FID BALANCED
FID ASSET MANAGER
FID ASSET MGR INCOME
FID GLOBAL BALANCED
FID ASSET MGR AGGR
AIM TOTAL RETURN INV
CALVERT SIF BALNCD A
DREY FNDRS BALNCED F
MSIFT BALANCED ADV
AIM BALANCED A
OAKMARK EQ & INC I
Bond Investments
STABLE VALUE
FID MGD INC PORT
view restriction(s)
INCOME
FIDELITY US BD INDEX
FID GINNIE MAE
FIDELITY INVST GR BD
FID INTERMED BOND
FID CAPITAL & INCOME
FID MORTGAGE SEC
FIDELITY GOVT INCOME
FID NEW MARKETS INC
FID STRATEGIC INCOME
FID SHORT TERM BOND
FID INTM GOVT INCOME
FID INST SH INT GOVT
FID INFLAT PROT BOND
FID ULTRASHORT BOND
FID TOTAL BOND
PIMCO TOT RETURN ADM
ARIEL PREM BOND INV
MSIFT CP FX INC ADV
MSIFT HIGH YIELD ADV
PIM GLBBND AD UNHDGD
PIMCO HIGH YIELD ADM
PIMCO LOW DUR ADM
PIMCO LT US GOVT ADM
TMPL GLOBAL BOND A
CS GLOBAL FX INC COM
MANAGERS BOND FUND
WEST ASSET CORE FI
COLUMBIA HIGH YLD Z
Short Term Investments
FIDELITY RETIRE MMKT
FIDELITY RET GOVT MM
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Wed Jun 08, 2005 5:00 pm |
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xboxundone
Senior Member
Cash: $ 67.83
Posts: 795
Joined: 19 Sep 2004
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| Re: Help with 401k |
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FID FREEDOM 2000
FID FREEDOM 2010
FID FREEDOM 2020
FID FREEDOM 2030
FID FREEDOM 2040
FID FREEDOM 2005
FID FREEDOM 2015
FID FREEDOM 2025
FID FREEDOM 2035
These are great funds choose them based ont eh year you want to retire the reason these are great as they adjust your investments due to less risk the closer you get to retirement...
Sicne you are moving closer to retirement you would want mroe stable bonds... unless you are way behind then you would want to be more aggressive but with that comes the risk....
How much do you have in your account and how much do you need to retire and by when do you want to retire as this will help us to give you advice.
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Wed Jun 08, 2005 9:36 pm |
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slick
New Member
Cash: $ 0.65
Posts: 3
Joined: 08 Jun 2005
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I have $141,000 invested right now. I really would like to retire now, but i know thats not an option. I am planning on retiring in my late 50's or early 60's. As far as how much money i would need, i really havent planned that all out yet.
Im not planning on making a bundle with my 401k but i would just like to know a better way to make the most out of my funds. The choices i have now, ive been losing on.
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Wed Jun 08, 2005 11:38 pm |
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David Briggs
Senior Member
Cash: $ 57.86
Posts: 289
Joined: 16 Jan 2005
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Your selections are dominated by Fidelity Funds. They must be your plan administrator.
The international funds you are holding are simply great. If they are lower lately, it is because the dollar has been stronger. Take latin america and southeast asia down to no more than 10% each for a total of 30% international.
Baron Growth, Templeton Developing Markets A, and Fidelity Select Healthcare are holding you back. Dump them. Morningstar shows Baron Growth as closed to new investors, so it really is an evolutionary dead end. The fund expense ratio at Templeton Developing Markets A is 2 percent! That's outrageous given the mediocre performance. Plus its holdings overlap somewhat your southeast asia fund. And the performance of Fidelity Select Healthcare also seems decisively lackluster.
Take a look at Fidelity Value Strategies (FSLSX). It is tech heavy, I will admit, but it has performed splendidly despite the troubles in tech, and tech is the leading edge of the future. It holds desirable consumer, financial, and resources stocks as well. If I must pick from your list of offered investments, I pick that one, up to 40 percent. Trim it when it is high and buy more when it is low. Make it your trading core position. Cultivate, harvest, plant more.
I'd like you to consider Fidelity Investment Grade Bond (FBNDX) up to 20 percent and Fidelity Inflation-Protected Bond (FINPX) up to 10 percent, as an income underpinning of total asset growth. In a tax deferred account, I think you are missing a good bet not to hold positions which generate a current cash return. And these funds have shown steady NAV growth over the years.
~~David
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Thu Jun 09, 2005 4:36 am |
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BlankenshipFP
Money Talk Advisor
Cash: $ 79.56
Posts: 390
Joined: 05 Oct 2004
Location: Illinois
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| Re: Help with 401k |
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quote:
Originally posted by slick
Oh, i am 43 years old and want to retire ASAP.
There's a lot of that going around... 
Jim Blankenship, CFP�, EA
Blankenship Financial Planning, Ltd.
www.BlankenshipFinancial.com
Standard IRS Circular 230 Notice Applies
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Thu Jun 09, 2005 3:28 pm |
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slick
New Member
Cash: $ 0.65
Posts: 3
Joined: 08 Jun 2005
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Thank you for your advice. I will definately look into those other options. I also talked with someone else, that is a broker friend of mine this morning, and i asked him about your reply and he agrees with you. Thank you again.
I am willing to accept all the help i can get!!!
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Thu Jun 09, 2005 5:11 pm |
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