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    caola's Avatar
    caola Posts: 7, Reputation: 1
    New Member
    		  
    #1

    Feb 11, 2008, 01:01 PM
    401k
    Hi There,

    My 401K balance has been dropping down and I have lost almost 8% in three months,
    Can somebody give me some advise on how to allocate my investment. Should I put
    All my money into cash ( and bonds) to avoid risk until economy gets better ?
    I still have 10 more years to retire.
    RickJ's Avatar
    RickJ Posts: 7,762, Reputation: 864
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    #2

    Feb 11, 2008, 02:01 PM
    1. Everything depends on your age and how aggressive you are willing to be.
    2. In general, judgments should not be made on 3 months of activity.

    How did you decide on the investments that you're currently invested in?
    caola's Avatar
    caola Posts: 7, Reputation: 1
    New Member
    		  
    #3

    Feb 11, 2008, 02:08 PM
    Rick,
    I will retire in 10 years ( by 64 ) and I prefer to be not very aggressive,nor very conservative. I put 15% in cash, 15% in bond,others in stock.
    RickJ's Avatar
    RickJ Posts: 7,762, Reputation: 864
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    #4

    Feb 11, 2008, 02:32 PM
    Good for cash and bonds. Stocks can range from very aggressive to super conservative.

    Even at 10 years from retirement I still stick with "don't judge on 3 months worth".

    For your retirement target I suggest fairly (but not fully) conservative investing.

    Are the stocks individual - or are they in mutual fund groups? Post what stocks or fund groups you're in... I'd think some here can give better opinions based on that.
    caola's Avatar
    caola Posts: 7, Reputation: 1
    New Member
    		  
    #5

    Feb 11, 2008, 02:53 PM
    my current investment elections are:
    AF EuroPac Growth -R4 25%
    AF Growth Fund of AM-R4 10%
    ACI Large Co Value-Inst 15%
    Liverstrong 2025 Inst 10%
    SSgA MSCI EAFE Ind - C 10%
    Cash/Bond 30%

    Can some experts give me better options than above ?
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