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MM | Should I change my 401 Contribution Elections from stocks to bonds? |
I believe that the market will get worse before it gets better. I will continue to invest in my 401K, but should I re allocate my contributions?
Here's what I have now.
Change Contribution Elections
Stock Investments
LARGE GROWTH 5%
LARGE BLEND 12%
LARGE VALUE 15%
MID-CAP BLEND 15%
SMALL GROWTH 10%
FOREIGN 17%
Bond/Managed Income
INTERMEDIATE-TERM 21%
STABLE VALUE 5%
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beancounter
 |
I'm personally of the opinion that its a good time to buy stock, even if the market gets worse before it gets better. And it's next to impossible to forecast a market bottom. Buy low sell high - prices are low now - and not every sector is doing poorly, just financials & housing.
I may have a different risk tolerance than you, however. You have to be able to sleep at night without worrying about your 401k. At the very least you could direct all new contributions to your bond funds. If that still stresses you out, ask yourself if you'd be comfortable if you cut your stock percentages by 25%? 50%? 75%?
Good luck. |
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muncie birder
 |
This is one of the most difficult type questions to answer. One thing you did not provide us with is your age. I have to assume you are rather young--under 50. There is a real problem with investing in bonds. That is that the government is generating inflation and keeping bond yield very low, lower than the inflation rate. Basically, it is a loosing proposition. You might retort that if you think bonds are a loosing proposition take a look at equities. Certainly, a telling argument. But whereas bonds are giving negative returns currently, there is virtually no hope that the returns will turn positive until the government can no longer keep interest rates low. When that happens, previous bond investors will be stuck holding the bag so to speak. Equities do have the potential of offering a positive return at some point. Maybe not now and maybe not tomorrow but they will turn positive. Your allocation appears to me to be well rounded and not too aggressive. |
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jeff410
|
You should always be invested in bonds to some degree. The rule of thumb is to have the same percentage in bonds as your age and the rest in equities. With about 20 percent in foreign equities and some in foreign bonds as well. Bond yields are rising And I expect them to go higher. Which means prices go down. A good time to invest. |
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shamieya
|
Depends on your risk tolerance, but based on the history of the market, this would probably be the best time to invest more in stocks because they're cheaper and you can accumulate more of them. The time to sell is not when prices fall. If you're young, buy more stock. |
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Timothy C. Schewe
 |
Dear MM,
I notice your allocation doesn't include a money market vehicle. There can only be two reasons for this. One isn't offered as an option by your plan administrator or you haven't used it. Since very few plans include a money market option most likely the answer is the former. This is great for the administrating company but not for the contributors as it provides no safe haven in a down market.
The best thing you can do now is get together with your cohorts and demand a 401K plan with a money market option so that when the inevitable down cycles occur you can get your hard earned funds out of equities and plant them in cash. Better meager interest earnings than major capital losses don't you think?
I agree with the others that there doesn't seem to be any point in changing your allocation at this time.
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src50
|
You should establish a diversified asset allocation that's appropriate for your age and stick to it. Don't try to chase "hot" sectors or types of investments. You'll lose. |
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betmoneyonit
 |
Were it me I would. I'd cut that bond income to 10% total and cut the Foreign by 10% and add them to Small Growth and Large Value, but that is just me.
Personally, I believe the worst is past for the US, but the Foreign stocks still have a major down leg coming. Remember, Foreign markets tend to trend about 6 months behind the US. That is why they were all snarkey and stuff a couple months ago. Now they have to shut up. |
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