What I am doing is ~20% bond fund, 45% big cap fund, 35% mid cap

In 2008, I did not move my 401K to money market, and lost more than 50%. I was thinking at that time, but didn't do it. Even now the money is back but wish to avoid the same mistake in future.

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I am waiting for another 2008, but I don't think that I will get -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (1216 bytes) () 04/27/2017 postreply 11:57:31

请问total stock index fund with 1,000 to 2,000+ stocks in the fund -阿莲- 给 阿莲 发送悄悄话 阿莲 的博客首页 (42 bytes) () 04/27/2017 postreply 12:03:04

VTSMX , FSTMX -花$$$- 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 12:06:13

Yes. -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:07:21

谢谢 -阿莲- 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:09:36

SWTSX -花$$$- 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 12:12:48

Symbol 'VTI' with 3,601 stocks. -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:06:58

谢谢 -阿莲- 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:09:52

没有leverage的产品? -阿莲- 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:17:45

Leverage? 3x S&P500 funds? -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:25:57

What about small cap? -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:50:18

No small cap fund now, used to have 7% -花$$$- 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 13:23:55

I would allocate 15% to small and leave 20% to mid. -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 13:30:08

Please check your 20% bond fund's duration! -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (365 bytes) () 04/27/2017 postreply 13:35:02

It says 5.49 years duration. FTBFX -花$$$- 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 13:56:55

That is what I thought. Most bond funds in 401(k) are 5 to 6yr d -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (247 bytes) () 04/27/2017 postreply 13:59:18

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