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by guitarguy
Tue Dec 21, 2010 1:35 pm
Forum: Investing - Theory, News & General
Topic: How 'risky' should a mid-20s investor be?
Replies: 91
Views: 7705

darga, don't make the oft-made assumption that stocks are good and bonds are spinach or green beans. Bonds often out-perform stocks. If you had held 100% bonds for the last 10 years, you'd have more money now than if you held 100% stocks. lol...I like green veggies :) Recently, I decided that 100% ...
by guitarguy
Tue Dec 21, 2010 1:32 pm
Forum: Investing - Theory, News & General
Topic: How 'risky' should a mid-20s investor be?
Replies: 91
Views: 7705

A 50% drop in value would not discourage me to sell or get out . I'm in it for the long (30+ years) term. Interesting concept.... :lol: How so? Right now, if my account went from $7k to $4k, I wouldn't bow out of my 401(k) and put it all in my online savings account. I concur. I am 33, my wife is 2...
by guitarguy
Tue Dec 21, 2010 12:55 pm
Forum: Investing - Theory, News & General
Topic: How 'risky' should a mid-20s investor be?
Replies: 91
Views: 7705

hsv_climber wrote:
darga19 wrote:A 50% drop in value would not discourage me to sell or get out. I'm in it for the long (30+ years) term.


Interesting concept.... :lol:


How so? Right now, if my account went from $7k to $4k, I wouldn't bow out of my 401(k) and put it all in my online savings account.
by guitarguy
Tue Dec 21, 2010 12:47 pm
Forum: Investing - Theory, News & General
Topic: How 'risky' should a mid-20s investor be?
Replies: 91
Views: 7705

Thanks for all the replies! I have indeed put my info in the 401(k) section of the Forum, but need to gather some more information about my wife's 401(k) (which is eligible for contribution in February but we don't even know what funds are available yet, or what her match will be) before they can gi...
by guitarguy
Tue Dec 21, 2010 11:35 am
Forum: Investing - Theory, News & General
Topic: How 'risky' should a mid-20s investor be?
Replies: 91
Views: 7705

How 'risky' should a mid-20s investor be?

I'm turning 26 yrs in January...and trying to formalize a plan for the next few years (of course I'll reanalyze as necessary). How risky should young investors be in this economy? 80-90% stocks in 401(k)? 50/50 in 401(k) and focus on more volitile international/small cap/emerging market funds in a s...
by guitarguy
Tue Dec 21, 2010 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on: My 401(k), Wife's 401(k), and Roth IRA
Replies: 46
Views: 3446

Re: can't decide

I don't think you can decide on a final portfolio structure until you know the 401k options available in your spouse's plan. That could make a big difference to the structure of your portfolio. You need to finalize the amount of money going into each account as well. You want to build a portfolio t...
by guitarguy
Tue Dec 21, 2010 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on: My 401(k), Wife's 401(k), and Roth IRA
Replies: 46
Views: 3446

How much are the fund fees and the plan's administrative fees? Does your plan have any bond funds and/or a stable value fund? In order to determine portfolio suitability, you first have to determine risk of loss. How much of a loss can you handle? As it stands with 100% stocks, your portfolio can l...
by guitarguy
Mon Dec 20, 2010 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on: My 401(k), Wife's 401(k), and Roth IRA
Replies: 46
Views: 3446

So the more 'risky' and potentially more rewarding funds should go in the Roth? Is that a general rule of thumb, or just because the funds that are available to me in those areas for my 401(k) have too high of expense ratios, whereas with my Roth I can choose international and small cap index funds ...
by guitarguy
Mon Dec 20, 2010 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on: My 401(k), Wife's 401(k), and Roth IRA
Replies: 46
Views: 3446

2) What is your risk tolerance like? I answered your other questions by editing my post, and using the correct format...sorry I didn't see it prior to posting earlier. My risk tolerance is pretty high I believe. I'm still young so I'd have lots of time to recover, and I can't see myself selling due...
by guitarguy
Mon Dec 20, 2010 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on: My 401(k), Wife's 401(k), and Roth IRA
Replies: 46
Views: 3446

Need advice on: My 401(k), Wife's 401(k), and Roth IRA

Hi all. I'm new to the forum, I'm turning 26 yrs in Jan and starting to take a more involved interest in my retirement planning. Per request, here is my info in the correct format as described above. Emergency funds: $5k, in an online savings account at ~1.2%. Debt: student loans (ranging from 2-4%)...

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