My strategy of 401K account investment

来源: faseb 于 2013-03-29 10:51:17 [] [旧帖] [给我悄悄话] 阅读数 : (2630 bytes)

I  focus only on two mutual funds (anyway no much choice in company’s 401K plan), one mid-cap fund ACRNX which seeks capital growth, and one income fund PTTRX which seeks consistent monthly income.  If you plot a long-term chart of both funds, you will see ACRNX fund up and down over the time, but PTTRX is relative stable even when  the general market  was crashed.

So my strategy is simple.

When general market is in the uptrend, I want all my balance in ACRNX fund; and when general market is in down trend, I want all of my balance in PTTRX fund, in which I can still make money even in the market down-turn.

 But in reality, there are lot of times when  general market has no clear direction. In that case,  I change the percentage hold in each fund based on my own perception to the market. 

For example, I am all out of ACRNX fund, and in PTTRX right now, because I think general market will be in down turn in the near future. I might be wrong for a few percentage gain, but I still have income from PTTRX fund.  My big #1 goal in my 401k investment is to avoid risk of market crash only once.  If I can achieve that, I would be very successful.

所有跟帖： 

• 问题是， income fund的股票在大跌的时候不也要跌吗？ -破烂熊- ♀ 给 破烂熊 发送悄悄话 (46 bytes) () 03/29/2013 postreply 10:56:22

• I am less worried about that. In fact, I really want one market -faseb- ♂ 给 faseb 发送悄悄话 (83 bytes) () 03/29/2013 postreply 11:02:25

• i see... -破烂熊- ♀ 给 破烂熊 发送悄悄话 (96 bytes) () 03/29/2013 postreply 11:04:25

• 不错，09年都没怎么跌。 -破烂熊- ♀ 给 破烂熊 发送悄悄话 (0 bytes) () 03/29/2013 postreply 11:06:42

• I fact, I want really a market crash like year 2008. but -faseb- ♂ 给 faseb 发送悄悄话 (34 bytes) () 03/29/2013 postreply 11:06:24

• 谢谢分享！选MID CAP INDEX INV是不是效果差不多？ -西湖醋鱼- ♀ 给 西湖醋鱼 发送悄悄话 西湖醋鱼 的博客首页 (0 bytes) () 03/29/2013 postreply 11:14:01

• I guess 选MID CAP INDEX INV 效果差不多. -faseb- ♂ 给 faseb 发送悄悄话 (0 bytes) () 03/29/2013 postreply 11:17:21

• 401K account 的管理主要问题是左端还是右端操作。 -goldengate- ♂ 给 goldengate 发送悄悄话 goldengate 的博客首页 (130 bytes) () 03/29/2013 postreply 11:51:47

• thank you for your suggestion. it is learning curve. -faseb- ♂ 给 faseb 发送悄悄话 (0 bytes) () 03/29/2013 postreply 11:57:53

• I am not sure about PTTRX. I chose a stable value fund provided -gossipgirl8- ♀ 给 gossipgirl8 发送悄悄话 gossipgirl8 的博客首页 (227 bytes) () 03/29/2013 postreply 11:55:38

• Thank you. I will look at this issue further.. -faseb- ♂ 给 faseb 发送悄悄话 (0 bytes) () 03/29/2013 postreply 11:59:48

• 貌似 12/12有个1%左右的分红。 -goldengate- ♂ 给 goldengate 发送悄悄话 goldengate 的博客首页 (0 bytes) () 03/29/2013 postreply 12:13:42

• about 3 %左右的分红/year。 -faseb- ♂ 给 faseb 发送悄悄话 (0 bytes) () 03/29/2013 postreply 12:20:47

• Thanks much for sharing your experience -tarlin- ♂ 给 tarlin 发送悄悄话 (0 bytes) () 03/31/2013 postreply 15:11:58

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