Employer sponsored 401k - Thoughts

[Bigjones]

Ive started to dig further and further into my finances as I begin my journey and wanted to see everyones thoughts on where my 401k is sitting.  Keep in mind that this was started a few years ago, I had no idea about personal finance and I let our companys broker pick my elections for me.  So before you punch me in a face, keep that in mind. 

Current balance is $20,002

50% is in Modern Woodman Annuity with a lifetime guaranteed return of 4% as long as i dont move the money.  The current rate for new sign ups is 2%.

10% American Funds Growth Fund of America RGABX
20% American Funds Capital Income Bldr R2 RIRBx
20% American Funds Bond Fund of Amer R2 RBFBX


Im about 3 months from being able to really ramp up and max my 401k so if need be, id like to get my allocations set before hand.

[UltraRunning]

What are your other options in your 401k? If you could give us a full list of all the funds you have to choose from that would greatly help us lead you in the correct direction :)

[gillstone]

Also, how long until you plan to retire?  When you expect to leave the workforce makes a big difference on the amount of risk you can take.

[skyrefuge]

50% is in Modern Woodman Annuity

My first and only knowledge of the Modern Woodmen of America comes from a visit I made last year to 'The Painted Forest', a mural-covered old meeting hall of theirs hidden in a really small town in rural Wisconsin. There I learned that they were pretty much a crazy-ass cult with rituals involving goat-riding and death-masks and wild wizard dudes.

On this basis alone, I would invest 100% of my money with them.

[Chuck]

50% is in Modern Woodman Annuity

My first and only knowledge of the Modern Woodmen of America comes from a visit I made last year to 'The Painted Forest', a mural-covered old meeting hall of theirs hidden in a really small town in rural Wisconsin. There I learned that they were pretty much a crazy-ass cult with rituals involving goat-riding and death-masks and wild wizard dudes.

On this basis alone, I would invest 100% of my money with them.

+1 to that.

[Bigjones]

Im actually very scared now!

[svi]

50% is in Modern Woodman Annuity

My first and only knowledge of the Modern Woodmen of America comes from a visit I made last year to 'The Painted Forest', a mural-covered old meeting hall of theirs hidden in a really small town in rural Wisconsin. There I learned that they were pretty much a crazy-ass cult with rituals involving goat-riding and death-masks and wild wizard dudes.

On this basis alone, I would invest 100% of my money with them.

time is a flat stock market.