I've been putting money into my 401K for a number of years and just recently took a break to focus on paying down current debt, before ultimately re-starting contributions to the 401K at some point in the near future. My company offers a 50% match up to 6% of base compensation, and we are provided a tool for monitoring fund performance as well as reallocating current shares or future shares to different vehicles.
As of yesterday, my balance is $94,382.17. My current allocation is:
12.74% - Short Term Bond Fund
31.60% - Value Stock Fund
13.86% - Small Company Stock Fund
23.60% - International Stock Fund
13.33% - Diversified Growth Stock Fund
4.88% - 2040 Target Date Portfolio
My personal rate of return has been:
Last Quarter: -12.39%
1 Year: -9.31%
3 Year: 6.68%
5 Year: 5.46%
10 Year: 8.07%
I understand that markets will swing up and down, so I'm not terribly concerned with the recent performance. I'm more looking for advice regarding where I should possibly be reallocating these to moving forward. I've just discovered mustachianism, so I'm a little late to the game...but I've been reading as much as I can regarding how to get myself to early retirement. I'm 43 now, and in addition to the 401K, I have a company-funded retirement security (pension) plan, that has a current cash value of $330,000. I also have 60-acres of land that could net somewhere in the ballpark of $600,000 were I to (need to) sell it. I have a bit of debt that I plan to take care of in the next 18-24 months, but after that, it will be all saving all the time. I didn't want to post this in case-studies...because I don't need any further advice on tackling debt or reducing expenses...but investing is my weak spot, so I really would like some feedback on where to put this $94,000 in order to make it work for me in the best way possible. We can change our current or future allocations in this 401K utilizing an online portal, and by keying a percentage figure into different fields as outlined below: (Expense Ratios in bold)
Stable Income Fund (.37%)
Short-Term Bond Fund (.35%)
Value Stock Fund (.35%)
S&P 500 Stock Index Fund (.28%)
Small Company Stock Fund (.32%)
International Stock Fund (.76%)
Diversified Growth Stock Fund (.60%)
2020 (.33%), 2030 (.33%), 2040 (.34%), etc. Target Date Portfolios
Once the desired percentage is keyed into the appropriate fields, I submit it and someone changes the allocations of my existing funds and/or future allocations. I can drill down and get a listing of holdings for each fund if that helps...but I appreciate any advice any of you may be willing to share.
Thanks!