08-01-2012, 02:09 PM
Breand Wrote:I have about 30% of my 401k in PTRAX. I just can't argue with a mostly bond fund that is giving me annualized 8% returns.
8% is much better then most.
On my large 401k, Verizon has a some serious funds that are constantly beating the market. These are not available via normal trading. The only movement I make in these, is 1, I always sell any VZ stock once a quarter or so. All matches are in VZ stock. I learned in the Worldcom day's that you should have your salary and your retirement in the same company.....
Over all this is a medium to low risk account. The one thing I do, is I will move it around to "more" aggressive funds, after a major market crash. And when the market starts to reach all time highs I will move to less aggressive.... Right now Im still medium aggressive, but Im getting ready to move to less aggressive. Both less and medium have good gains, but the low risk / aggressive funds weather the storm very well.
Breand Wrote:I do have to explain to my wife over and over again how the crash of 2008 was the best thing that ever happened to our retirement account.
Yea, I feel odd when Im hoping for the market to go down, when I know that will also hurt my long retirement on the short term..... My wife doesnt understand, and thinks I'm odd.
Maul, the Bashing Shamie
"If you want to change the world, be that change."
--Gandhi
![[Image: maull2.gif]](http://bengtel.com/maull2.gif)
"If you want to change the world, be that change."
--Gandhi