People who are investment savvy PLEASE answer, just quick advice to a novice please?

Question

These are my employers 401K investment options, I currently am contributing 100% to the Vanguard Total Stock Market Index.
With the market on the fritz, should I distribute it better and what do you recommend based on the options below.
THANK YOU IMMENSELY FOR YOUR GUIDANCE!!!!!


Vanguard PRIME Money Market
Vanguard Short-Term Invest Grade Bond
Fidelity US Bond Index
PIMCO Total Return
American High Income Trust #
Vanguard Value Index #
Vanguard Institutional Index #
Vanguard Total Stock Market Index #
Allianz CCM Capital Appreciation +
Fidelity Contrafund
Vanguard Growth Index #
CRM Mid Cap Value
Dreyfus International Stock Index +
Nuveen NWQ Small Cap Value
Roxbury Small Cap Growth
Vanguard Small Cap Growth Index #
Company Stock Fund
Dreyfus Large Cap Equity I
Dreyfus Limited-Term High Yld I
BNY Mellon International Appreciation M
Dreyfus Large Cap Value I
Dreyfus Bond Market Index Basic
BNY Mellon Bond Fund M
Dreyfus Enhanced Income Institutional
BNY Mellon Intermediate U.S. Govt M
Dreyfus Instl Reserves Money Hamilton
Dreyfus BASIC S&P 500 Index Fund
Dreyfus Instl Reserves Treasury Fund
GW&K Multi-Cap Equity Fund(A)

Answer 1

Actually, I think your 401K options are better than most! You are doing fine with the Vanguard total stock market index. If you want, allocate 10%-20% to the money market, just to have a fixed component. You could also branch out with a bond index, but I don't think it's necessary at the moment for you.

Answer 2

The only ones on this list that are interesting at all are the Vanguard Total Stock Market Index (that you're already in, good choice), the Fidelity Contrafund (not a bad idea for 10-15%), and the Company Stock Fund (but I don't know what company you work for).



For a novice, stick with the total market fund because it will cause you the least amount of stress. If you're young, put the money in and forget about it. If you think your company is solid with good prospects for the future, get a little bit of the Company stock fund.



Don't worry about other people who will tell you to diversify more...the Vanguard TSM index fund is already plenty diversified.

Answer 3

Oh, my word. And you work for a bank. Almost everything here is in stocks (which are in meltdown and are likely headed for the septic tank in short order), or assorted bond funds, e.g. Treasuries, which offer no return and are really just more debt. The next debt-bubble which is likely to burst is government debt.



You should have an option for a self-directed 401k, or a commodities fund in there somewhere. Otherwise, you need to get your money out of there and rolled into a self-directed retirement plan with a really sharp "contrarian" fund manager. And get yourself an education fast in investments. Start at your public library with Robert Kiyosaka's "Rich Dad, Poor Dad" and the sequels. Doug Casey "Crisis Investing" (if you can still find it), Peter Schiff's newest book.

Answer 4

It is absolutely impossible to answer this question. We don't know your investment horizon, or income level, or really anything.



So I'll do my best and give you generic advice. Stick with investing, no matter what the market is doing. Contribute the most you can contribute to obtain your company match (if there is one). You should shoot for about 15% of your income into retirement plans (including IRAs). And spread the money around, don't invest all of it in one fund.



Good luck.

Answer 5

the forefront finished inventory marketplace Index is merely too huge IMO. this is a fund of indexes. It covers each little thing. yet meaning you own the canines too. I want the S&P 500 index seeing this is far less huge yet additionally no longer controlled and to that end very low value. the completed is merely too huge for me. yet I somewhat have controlled my investments extra actively for a lengthy time. now's a brilliant to be putting money in to shares with a 401(ok) dollar value averaging in for the lengthy term. yet as a techniques because of the fact the present marketplace is going, i in my view had chop up between the S&P 500 index and a growth and a cost fund. this is truly helpful to accomplish slightly analyze and reading on reported asset allocations to get an thought of what this is truly helpful to do. good success.