Author Topic: Quick thoughts on my 401k allocation  (Read 1326 times)

EconDiva

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Quick thoughts on my 401k allocation
« on: January 20, 2016, 09:23:50 AM »
I'm not an investment guru.  And I don't make changes to my 401k allocations frequently.  But after logging in and seeing my 1 year return has been -1.24%, I was alarmed.  I know when it comes to 401ks you're supposed to "set it and forget it" but the bottom line is I'm not really sure how to determine if what I have is good or not. I know many people will have more questions so please feel free to shoot.....


Diamond Hill Small-Mid Cap-23%
Vanguard Extnd Mrks Index Inst Plus-13%
Vanguard Total Intíl STKIDX Inst CL-30%
Vanguard INST Index FD INST PL-34%

Tester

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Re: Quick thoughts on my 401k allocation
« Reply #1 on: January 20, 2016, 12:00:53 PM »
If it makes it better, my return is -7% for the last year.
And, if you think this is my first year really saving money I think you can understand what I feel :).
If it is fine, I will post my allocation too here to receive critics - I also expect a face punch - but keep in mind it was my first year in the US, first time investing, still learning on what all the types of investment options mean.
If you will ask about the international exposure, I thought (and still think) that investing on only US "things" is not for me.
So I am ok with the international part of my funds, I am curious if I did something else wrong :).
I realized after some time that some of the funds below are almost the same thing, I will try to consolidate those in only one, the one with the smallest cost.
Please let me know if I should open my own thread about this.

Beginning balance   $0.00
Net transactions   $19,976.86
Investment return   –$1,351.98
Ending balance   $18,624.88


Fund                                                                                                       Quantity   Price            Current balance   Current investment mix   Expense ratio
My company Stock Fund                                                                       3.825        $574.48   $2,197.39   11.80%                                    0
Target Retirement 2045 Trust I                                                          51.145   $39.60   $2,025.34   10.87%                                    0.07%
Vanguard Explorer Fund Admiral Shares                                                  44.957   $65.96   $2,965.37   15.92%                                    0.36%
Vanguard FTSE Social Index Fund Institutional Shares                          132.839   $12.05   $1,600.71   8.59%                                      0.15%
Vanguard Institutional Index Fund Institutional Shares                          14.945   $171.91   $2,569.19   13.79%                                    0.04%
Vanguard Retirement Savings Trust III                                                  1,771.430   $1.00   $1,771.43   9.51%                                      0.37%
Vanguard Total Bond Market Index Fund Institutional Shares                  165.201   $10.73   $1,772.61   9.52%                                      0.06%
Vanguard Total International Stock Index Fund Institutional Shares   24.346   $88.18   $2,146.83   11.53%                                    0.12%
Vanguard Windsor II Fund Admiral Shares                                           29.008   $54.33   $1,576.01   8.46%                                      0.28%
« Last Edit: January 20, 2016, 12:09:06 PM by Tester »

phimag512

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Re: Quick thoughts on my 401k allocation
« Reply #2 on: January 20, 2016, 12:29:21 PM »
Yea, mine was close to -8% and I have it in Vanguard Inst Index and Vanguard Tot Bonds. I'm not touching it tho, because I look at all the other choices and they are all down. It's only a matter of time until it flips the other way... Right? ;)

NoStacheOhio

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Re: Quick thoughts on my 401k allocation
« Reply #3 on: January 20, 2016, 12:44:20 PM »
I'm not an investment guru.  And I don't make changes to my 401k allocations frequently.  But after logging in and seeing my 1 year return has been -1.24%, I was alarmed.  I know when it comes to 401ks you're supposed to "set it and forget it" but the bottom line is I'm not really sure how to determine if what I have is good or not. I know many people will have more questions so please feel free to shoot.....


Diamond Hill Small-Mid Cap-23%
Vanguard Extnd Mrks Index Inst Plus-13%
Vanguard Total Intíl STKIDX Inst CL-30%
Vanguard INST Index FD INST PL-34%

Look at what the markets did. Down 1% sounds about right for indexing with international exposure.

Quick question: why are you holding the vanguard extended AND the diamond small/mid-cap fund?