Stock Price Charts

When does a small cap or medium cap index fund equal large cap stock in terms of risk and reward? I do understand large cap index funds on average make about 10% and large cap stocks makes about 15% on average and for the record realestate 10%.

Indexing with VTI or VV+VB? Do you manage the allocation between large cap and small cap stocks? Do you manage the allocation between large cap and small cap stocks? Or do you let a good broard market index manage the allocation for you? You would want an index manage it for you if you want to save time, taxes, and commissions. Why would you want to manage it yourself? It seems to me that the correlation among the sizes of capitalization is too high to justify the extra work and costs. It's probably a more profitable use of my time to manage the allocation among stocks, bonds, and REIT rather than spending time on the details of rebalancing within my stock portfolio over the Morningstar 9 boxes. Anyone who studies modern portfolio theory? Correct me if I'm wrong. I want to be corrected so that I won't make costly mistakes. Thanks.

How can I track the russell small cap completeness index? I know it's the russell 3000 minus the overlapping S&P 500 stocks but I can't find any ticker symbol for it....I have a 401k fund that seeks to duplicated it so I want to track it....help???

In my retirement fund I have choices on which indexes to put money in...please help? Right now i have 77% in Government Securities and 22% in the International Stock index. My other options are: Fixed Income Index Common Stock Index Small Cap Stock Index I think I should diversify....what do you think? I'm very new to the whole managing my finances thing. Please help...and please explain yourself to because I really want to learn.

At what point does a stock get halted for Trading? There is a stock on the TSE index, TSE:KOM That stock is currently at 1.5 cents (yes cents, not dollars!). At what point can a stock get halted for trading for being too low? Also, what type of stock is that? Small cap stock? Is a stock at 1.5 cents (for example) a bad sign for a stock?

I have a thrift saving plan, is 20.4% return over the past 12 months good, bad, or indifferent ? These are the options i have available to me: L 2050 L 2040 L 2030 L 2020 L Income G Fund Government Securities F Fund Fixed Income Index C Fund Common Stock Index S Fund Small Cap Stock Index I Fund International Stock Index I really don't know what the rate of return has been over past 12 months.

NY 529 College Savings Plan for my son, pLease Help !? Hi, I am investing with the NY 529 College Savings Plan for my 6 year old son. I need some advise from some Financial Adviser on how to split up the percentages on where i want to invest my money in. INVESTMENT OPTIONS (invest a total of 100%) How much Percentage should i invest on the following: AGGRESIVE GROWTH PORTFOLIO ? GROWTH STOCK INDEX PORT. ? MID-CAP STOCK INDEX PORT.? SMALL-CAP INDEX STOCK PORT ? VALUE STOCK INDEX PORT? this is going to be managed and invested by Vanguard. Some other info i have to work with is: THe Average Annual Total Return Since Inception, for the: Agressive growth is 10.97%....for One year is 5.58% Growth Stock Index is 8.21%....for one year is 4.75% Mid-Cap Stock Index is 18.22%...for one year is 13.56% Small Cap Stock Index is 15.45%....for one year is 7.11% Value Stock Index is 14.09%....for one year is 6.70% Please advise on how i should split it up to make 100%. Should i invest in the top 3, 4 or all 5, and what percentages? THANK YOU !!

How Can I Invest In a Estimated Cash Amount Per Creation Unit or .EU ETF Index as a stock? Hey everyone I really have a problem I want to get into stocks and trading ETF and I have been practicing on a stock simulator game called Market Millionaire with pretty good results but now that I am ready to move to the next level and open up a brokerage account no investment company seems to be able to access a connection or have a connection to the ETF I have been investing in, on the simulator .Is there a International brokerage firm or special account that I need ? Thanks Here are some of the ETFs I was trying to invest in (NOTE THEY HAVE TO HAVE .EU AT THE END OR Estimated Cash Amount Per Creation Unit ) ENY.EU ►Claymore/SWM Canadian Energy Income Index ETF HAO.EU ►Claymore/Alpha Shares China Small Cap Index LVL.EU ►Claymore/BBD High Income Index ETF

Which small-cap mutual fund would YOU pick? VISVX PENNX or NAESX? A few weeks ago I posted a question asking about low-expense, no-load, small-cap mutual funds which pay a DIVIDEND. The fine folks here offered a few suggestions and I've narrowed it down to 3 funds in which to invest $5,000 in my IRA. Now I want to know which fund you would choose. VISVX - Vangaurd It provides the largest dividend at 1.67% and has about 1000 stocks in its portfolio. Its a small-cap value index fund. It has also slightly underperformed compared to the next two funds. Its expense ratio is only .37% I'm leaning towards this one mainly because of the dividend. Yeah, I'm a sucker for dividends and reinvesting them. NAESX - Vangaurd This is a low cost (.31% expense ratio) small cap index fund with over 1500 stocks in its portfolio. It offers a .96% dividend and out performs VISVX. PENNX - Royce Funds This fund is named after me! Out performs the other two. Expense ratio is highest at .91% Dividend Yield is only .46% One other thing I like about this fund is that it's not an index fund (and u pay for it) and holds only 500 hand-picked stocks. Also it has some international presence. So there you have it. All three funds have something attractive about them. I just can't seem to decide which one to purchase. I was wondering if anyone out there had any feedback or opinion for me. Much appreciated!

Do you track your large-cap separately from small-cap stocks? Or do you simply allocate your assets between stocks and bonds and let an index/manager determine the sub-allocation by capitalizations (for stocks) and by maturities (for bonds)? What do you gain from tracking the sub-allocations? You can always fine-tune your risk/reward characteristics of your portfolio to maximize your potential reward within your comfort zone by adjusting your top-level allocations between stocks and bonds. If you do track your large-cap and small-cap stock allocation and rebalance them, I want to learn why you're doing it. Maybe I miss somthing. Teach me please.

Is now the right time to buy index funds? I' ve been saving up some money to invest in index funds such as REITS, Small cap stocks and Vanguard S&P 500. I' ve been contemplating if it is the right time to buy these funds now. I am new to investing and I keep hearing that market always goes in up and down cycles. When i checked out the charts for the index funds I mentioned, it seems there has already been a down cycle between 2002 - 2003. From 2003 onwards there has generally been an upward trend in the charts till now (2007). Is it ok to buy index funds now hoping that the market will continue to perform well or is there any imminent "down cycle" of the market?

Seeking opinions of financial people - What do you think of Vanguard Index Funds for Roth IRA retirement acct? Hi, I am looking to get your opinion on a Roth IRA that would be diversified equally within the following Vanguard Index Funds: The Roth is worth approximately $20,000. VFINX - Vanguard 500 Index NAESX - Vanguard Small Cap Index VEURX - Vanguard Eurpoean Stock Index VEIEX - Vanguard Emerging Markets Stock Index and I may also put some in the bond index VBMFX - Vanguard Total Bond Market Index Specifically I am looking for your answer to three questions: 1) What do you think of Index Funds in general for a Roth Retirement Account? (I have about 28 years until retirement, also this is supplemental savings to my 401k, my wife's 403b, and both our pensions) 2) What do you think of these Vanguard Funds specifically? 3) Are there any other Vanguard funds that you would recommend? 4) Any other miscellaneous advice or comments. Thanks for taking the time...I'm more inclined to select a best answer who cites sources to back up their opinions.

Can you give me a link to a site listing options on Aussie small-cap stocks? http://www.asx.com.au/opc/OpcStart?Mode=T I don't believe that dropdown box lists every company with options available on the ASX index. Where can i find what options are available on this stock, say? http://www.nobleminres.com.au/live/

I have a thrift saving plan, is 20.4% return over 12 months good, bad, or indifferent.? These are the options i have available to me: L 2050 L 2040 L 2030 L 2020 L Income G Fund Government Securities F Fund Fixed Income Index C Fund Common Stock Index S Fund Small Cap Stock Index I Fund International Stock Index I really don't know what the rate of return has been over past 12 months or where to find it, thanks.

How should I allocate my 401K? This is what I currently have.? Investment Summary Details I am 30 years old and started my 401K in March 2010 COMPANY ADR FUND (CostBasis) 5% INDEXED BALANCED FUND 20% INTERNATIONAL STOCK INDEX FUND 5% LARGE CAP STOCK INDEX FUND 20% MANAGED BALANCED FUND 25% MID/SMALL CAP STOCK INDEX FUND 25%

What are good good funds to invest in? I have researched a lot of different funds and wonder which ones are better than others. My investment style is more conservative. VRU Complete Investment Option Name Shortened Name Ticker Symbol 166 EuroPacific Growth Fund - Class R6 EuroPacific Growth Fnd RERGX 199 Fidelity Puritan Fund Fid Puritan Fnd FPURX 259 Growth Fund of America - Class R6 Growth Fnd of America A RGAGX 375 Neuberger Berman Partners Fund - Institutional Class NeuBer Partners Instl NBPIX 654 PIMCO Total Return Fund - Institutional Fund PIMCO TotalReturn Fnd Inst PTTRX 526 T. Rowe Price Small-Cap Stock Fund TRowePr Sml Cap Stk Fnd OTCFX 283 The Investment Contract Pool The Investment Contract Pool N/A 354 Parnassus Equity Income Fund Parnassus Eq Inc Ins PRILX 740 Vanguard Institutional Index Fund Vngrd Instl Index Fd IP VIIIX 708 Vankampen Mid Cap Growth Fund - Class A Van Kampen MidCap Growth A VGRAX 840 Vanguard MidCap Index Fund - Institutional Shares Vngrd MidCap Index - Inst VMCIX 766 Goldman Sachs Large Cap Value: Institutional GdmnScs Large Cap Val GSLIX 839 Vanguard Small-Cap Value Index Fund Vngrd SmCap Val Index VSIIX 726 Vanguard Small-Cap Growth Index Fund Institutional Shares Vngrd SmCap Grwth Index - Inst VSGIX 759 Vanguard Total International Stock Index Inv Vanguard Total Intnl Stock Index VGTSX 777 Vanguard Value Index Fund Vanguard Value VIVAX 729 T Rowe Price Retirement 2055 Fund TRowePr 2055 TRRNX 728 T Rowe Price Retirement 2050 Fund TRowePr 2050 TRRMX 723 T Rowe Price Retirement 2045 Fund TRowePr 2045 TRRKX 722 T Rowe Price Retirement 2040 Fund TRowePr 2040 TRRDX 721 T Rowe Price Retirement 2035 Fund TRowePr 2035 TRRJX 720 T Rowe Price Retirement 2030 Fund TRowePr 2030 TRRCX 719 T Rowe Price Retirement 2025 Fund TRowePr 2025 TRRHX 718 T Rowe Price Retirement 2020 Fund TRowePr 2020 TRRBX 717 T Rowe Price Retirement 2015 Fund TRowePr 2015 TRRGX 716 T Rowe Price Retirement 2010 Fund TRowePr 2010 TRRAX 715 T Rowe Price Retirement 2005 Fund TRowePr 2005 TRRFX 724 T Rowe Price Retirement Income Fund TRowePr Ret Inc Fund TRRIX 802 T Rowe Price Mid-Cap Value Fund TRowePr Mid Cap Val Fund TRMCX

With the market being the way it is, where should I invest in my 401k plan? Since I am in my 20's I would like to stay fairly aggressive. Any help would be great EDS Conservative Portfolio 04/30/1996 0.19 08/31/2008 -2.95 -1.04 4.61 6.22 5.76 6.75 07/31/2008 -3.05 -0.56 4.52 6.35 5.13 6.74 06/30/2008 -0.81 -1.15 5.04 6.34 5.11 6.82 EDS Moderate Portfolio 04/30/1996 0.19 08/31/2008 -5.08 -4.16 4.82 7.29 6.00 7.17 07/31/2008 -4.81 -3.48 4.73 7.53 5.02 7.16 06/30/2008 -1.40 -4.32 5.64 7.68 5.00 7.27 EDS Aggressive Portfolio 04/30/1996 0.20 08/31/2008 -7.16 -7.59 4.95 8.18 6.03 7.27 07/31/2008 -6.32 -6.99 4.83 8.53 4.68 7.28 06/30/2008 -1.57 -8.17 6.19 9.00 4.66 7.42 EDS Income Fund 12/31/1991 0.22 08/31/2008 1.21 4.72 4.49 4.28 5.01 5.68 07/31/2008 1.14 4.67 4.45 4.25 5.02 5.68 06/30/2008 1.12 4.66 4.44 4.24 5.03 5.69 EDS Bond Market Index Fund 12/31/1986 0.17 08/31/2008 0.80 5.74 4.11 4.47 5.23 6.84 07/31/2008 -0.65 6.37 4.32 4.45 5.36 6.82 06/30/2008 -1.11 7.13 3.95 3.71 5.37 6.85 EDS Large-Cap Stock Index Fund 08/31/1976 0.14 08/31/2008 -7.78 -11.15 3.56 6.81 4.61 11.32 07/31/2008 -7.94 -11.12 2.75 6.91 2.84 11.27 06/30/2008 -2.75 -13.21 4.26 7.44 2.81 11.34 EDS Small-Cap Stock Index Fund 01/04/1988 0.19 08/31/2008 -5.84 -6.85 5.21 10.57 9.06 11.01 07/31/2008 -3.26 -7.78 4.10 11.01 6.52 10.95 06/30/2008 2.52 -11.80 6.12 12.09 5.91 11.01 EDS International Stock Index Fund 04/30/1996 0.44 08/31/2008 -16.72 -14.48 9.05 14.77 7.34 5.72 07/31/2008 -10.93 -10.54 12.01 16.55 6.33 6.21 06/30/2008 -2.24 -8.21 14.75 18.13 6.83 6.58 EDS Inflation Protection Bond Fund 07/03/2000 0.20 08/31/2008 2.01 11.87 5.58 6.47 N/A 7.77 07/31/2008 1.49 12.26 6.15 6.70 N/A 7.78 06/30/2008 -0.18 15.36 5.61 5.83 N/A 7.93 EDS Long-Term Bond Fund 06/29/1973 0.24 08/31/2008 0.33 0.93 0.44 4.56 5.45 8.36 07/31/2008 -2.99 0.52 0.88 4.67 5.41 8.35 06/30/2008 -1.33 2.79 0.59 3.14 5.50 8.43 EDS Large-Cap Value Fund 06/28/1985 0.35 08/31/2008 -8.38 -16.17 2.13 8.55 6.38 11.42 07/31/2008 -8.35 -15.74 1.79 8.60 4.67 11.40 06/30/2008 -3.29 -19.86 2.57 8.43 4.33 11.44 EDS Large-Cap Growth Fund 12/31/1969 0.46 08/31/2008 -6.11 -7.26 2.74 5.52 -1.48 7.49 07/31/2008 -3.75 -6.66 2.30 5.74 -3.01 7.47 06/30/2008 2.66 -7.16 4.13 6.55 -3.04 7.51 EDS Small-Cap Value Fund 12/31/1991 0.78 08/31/2008 -3.19 -0.42 6.36 12.04 N/A 9.24 07/31/2008 2.07 -1.78 5.12 12.29 N/A 8.96 06/30/2008 11.04 -3.89 8.52 13.60 N/A 9.69 EDS Small-Cap Growth Fund 12/31/1969 0.40 08/31/2008 -5.36 -9.28 3.25 7.94 11.21 9.52 07/31/2008 -2.35 -10.10 2.08 8.62 8.64 9.47 06/30/2008 2.96 -14.28 4.24 9.78 7.87 9.51 EDS International Value Fund 03/31/1987 0.81 08/31/2008 -13.02 -14.11 7.61 14.90 10.17 9.76 07/31/2008 -8.69 -12.24 10.03 15.87 8.98 9.98 06/30/2008 -1.64 -11.25 12.21 17.03 9.34 10.19 EDS International Growth Fund 12/30/1983 0.47 08/31/2008 -16.17 -12.69 9.65 14.01 7.06 11.01 07/31/2008 -10.64 -9.44 12.41 15.58 6.00 11.26 06/30/2008 -1.68 -7.36 15.18 17.17 6.66 11.47

How Should I Allocate My 401(k) Savings? I recently graduated from college and began working. I'm 22 years old and want to begin saving through my 401k. My company's 401k plan is set up through Wells Fargo with the available funds listed below. What would be a good allocation (based on percentages) of my savings in these funds? Wells Fargo Stable Return Fund G Wells Fargo Advantage High Yield Bond Fund (Adm) TCW Total Return Bond N T. Rowe Price Capital Appreciation Invesco Van Kampen Growth and Income A Vangaurd 500 Index Admiral Davis NY Venture A American Funds Growth Fund of Amer R3 Goldman Sachs Mid Cap Value A Dreyfus MidCap Index Columbia Acorn Z Federated Kaufmann K Dreyfus Small Cap Stock Index Lord Abbett Small-Cap Value A Munder Micro-Cap Equity A Wells Fargo Enhanced Stock Market Fund Templeton Foreign A Wells Fargo Advantage International Equity Fund I Thornbug International Value A Fidelity Advisor Intl Capital App A Janus Global Technology T T. Rowe Price Health Sciences Thanks for any help! It's really appreciated!

Help please, explain how to divy up my 401k? I am 23. I work for Bank of New York Mellon and hope to work up in the company. I have a 401k that I currently contribute about $4000 a year to. I would like to retire at about 60. I have to choose a percentage for each of the following. i.e. The total of these percentages will equal 100% of the 401k. Daily Liquidity Money Market Fund Mellon Stable Value Fund, Class Z Daily Liquidity Aggregate Bond Index Fund Daily Liquidity Asset Allocation Fund Daily Liquidity Stock Index Fund Daily Liquidity Small Cap Stock Index Fund DL International Stock Index Fund Bank of New York Mellon Stock Thanks!

HOW SHOULD I INVEST MY MONEY IN MY TSP/401K PLAN? IAM 28 YEARS OLD I JUST CHANGED MY CONTRBUTION TO 15 % OF MY CHECK INTO MY 401K? HERES A LAY OUT OF MY ACCOUNT PLEASE LET ME KNOW WERE I SHOULD PUT MY MONEY INTO THANK YOU? Investment Funds Balance Current % Lifecycle Funds L 2040 $2,533.88 30% L 2030 $0.00 0% L 2020 $0.00 0% L 2010 $0.00 0% L Income $0.00 0% Individual Funds G Fund Government Securities $3,239.02 30% F Fund Fixed Income Index $0.00 0% C Fund Common Stock Index $0.00 0% S Fund Small Cap Stock Index $565.09 0% I Fund International Stock Index $3,406.71 40% Total $9,744.70 100%

HI I WOULD LIKE SOME ADVICE HOW I CAN FIX UP MY 401K CONTRIBUTION? THIS IS MY LAYOUT RIGHT NOW AAND IAM 28YEARS OLD I WORK FOR USPS GOVERMENT PLEASE GIVE ME SOME ADVICE I AHVE ABOUT 9000.00 IN MY ACCOUNT NOW Investment Fund Current Allocation -Investment Fund Current Allocation -------------------------------------------------------------------------------- Lifecycle Funds: L 2040 30.0% L 2030 0.0% L 2020 0.0% L 2010 0.0% L Income 0.0% Individual Funds: G Fund Government Securities 30.0% F Fund Fixed Income Index 0.0% C Fund Common Stock Index 0.0% S Fund Small Cap Stock Index 0.0% I Fund International Stock Index 40.0% -------------------------------------------------------------------------------- Total 100.0%

What do you think of my 401k investments? For those investment savy people. I am doing 5% per paycheck to invest in my 401k starting April. This is my breakdown. Keep in mind, I am 24, so I am trying to be very agressive. Templeton Growth(A) 10% William Blair Intl Growth (N) 5% Munder Large-Cap Value (Y) 15% Comerica 500 Stock Index 25% William Blair Growth(N) 15% Franklin Rising Dividends(A) 10% Munder S&P Mid-Cap Index Equity (Y) 5% Munder Mid-Cap Core Growth (Y) 5% Neuberger Berman Genesis Trust 5% Heritage Small Cap Stock(A) 5% This is 100% stocks. Would you change any percentages around? if so, why? Also what happens if my company goes under? Do I lose everything? or can i rollover it to a roth ira?

Got scared and put my 401k into Income Fund. Should I put back now & how should I diversify? Am 45 years old.? I have a variety of funds to choose from: Bond Fund, Balanced Fund, Large Cap Stock Value, Large Cap Stock Index, Large Cap Stock Growth, International Fund & Small Cap. Also, Short Horizon, Medium & Long Horizon Fund. I lost nearly $1,600 during the Wall-Street crisis before putting into Income Fund.

I have a 403B and was told that they don't have the best options and should do something else too? I have 40 years till I retire. I put 3 percent in and my company puts 6 percent. I have these variable funds Franklin Tmp itl eqb Index 500 stock mid cap grth stock large cap core stock index 400 stock small cap growth Russell Aggressive Russell realEst International growth T Rowe Small Cap Cap Guard Domestic AB Mid Cap vaule Janus Capital Apprc T Rowe Price Fidelity Mid Cap I was told my choices aren't that great with 403B. What do you really think? If you were going to grade with with all the other choices out there, what grade would it get?

401k: What types of investments to make? Based on my age (25) I figured I'd want a moderate-aggressive mix of stocks (50% Large Cap, 20% International, 20% Small Cap, 10% Bonds). The question is: How do I choose between different Large Cap stocks? (or Small Cap, etc..) Or should I just trust Fidelity and put it all in one of their FID Freedom 2045 blended fund investments? Thanks! Extra info, here are my options: Blended Fund Investments -- FID FREEDOM 2000 (through 2050) Bond Investments Income FID CAPITAL & INCOME % Bond Investments Income FIDELITY GOVT INCOME % Bond Investments Income PIMCO TOT RETURN ADM % Short Term Investments -- FIDELITY RETIRE MMKT % Stock Investments Large Cap ALLNZ NFJ DIV VAL AD % Stock Investments Large Cap FID FIDELITY % Stock Investments Large Cap FID GROWTH DISCOVERY % Stock Investments Large Cap SPARTAN US EQ INDEX % Stock Investments Mid-Cap MSIF MID CAP GRTH P % Stock Investments Mid-Cap RVS MID CAP VALUE R4 % Stock Investments Mid-Cap SPTN EXTND MKT INDEX% Stock Investments Small Cap ALLNZ NFJ SMCPVAL AD % Stock Investments Small Cap FID SMALL CAP GROWTH view restriction(s) % Stock Investments International FID INTL DISCOVERY view restriction(s) % Stock Investments International FIDELITY EMERG MRKTS view restriction(s) % Stock Investments International SPARTAN INTL INDEX view restriction(s)

What percentage should I invest in the following retirement funds for my 401k? EB Diversified Stock Fund Vanguard Inst Index Fd (Inst Plus) # Wells Fargo Advan Agg Alloc (Admin) Fidelity Small Company Fund Vanguard Mid-Cap Index Fund Instl # Vanguard Small-Cap Index Fund Instl # Wellington Mid-Cap Opportunities 2 EuroPacific Growth Fund Class R-5 # Wells Fargo Advan Grow Bal (Admin) Dodge & Cox Income Fund Wells Fargo Advan Con Alloc (Admin) UnitedHealth Stable Value Fund

What should I do with my IRA? I worked briefly for a company about 6 years ago and managed to put about $550 into an IRA variable investment plan from Prudential. Since then, I have been freelancing and trying to figure out if I should keep paying into this IRA even though it would be unmatched now. In six years, the value of the IRA has gone up a measly $100. I know there was a small amount to begin with, but this seems like a very low rate of return. Plus the last couple years have been turbulent in the stock market. I've got Prudential Value Fund, Prudential Stock Index, Prudential Jennison, Prudential Small Cap Stock and Prudential Global. They seem to be taking $30 out every year as an annual fee. I want to start paying into this thing regularly, but I'm thinking maybe I'd be better off moving to another IRA or maybe a Roth IRA. Am I getting a bad deal with this particular plan? Forgot to mention I'm 29 and single.

Which of these are considered foreign stocks? Wilshire 5000 is the broadest US market measure - approximately 6,000 stocks of all sizes (performance calculated on the Wilshire Associates web site, http://www.wilshire.com/Indexes/calculator/) SP500 represents large-capitalization US stocks (but provides global exposure in general because it includes many US stocks with income from foreign operations) Russell 1000 is similar to SP500, large-cap US but a fair amount of global exposure Russell 1000 Growth and 1000 Value are highest-scoring stocks within the Russell 1000 universe on Growth and Value measures Russell 2000 represents small-cap US stocks (with much less global exposure than the S&P 500). Defined as the smallest 2,000 stocks in the Russell 3000 stock index Russell 2000 Growth and 2000 Value are highest-scoring stocks within the Russel 2000 universe on Growth and Value measures MSCI EAFE (Morgan Stanley Capital International) Europe, Americas, and Far East index represents an index of foreign stock market returns Emerging Markets represented by MSCI Emergin Markets Index, free float-adjusted cap-weighted index Lehman Bros Aggregate Bond index is an index of total returns on a diversified portfolio of US Federal, state/local, and corporate bonds Real Estate represented by Transaction-Based Index (TBI) produced by the Center for Real Estate, Massachusetts Institute of Technology (available at http://web.mit.edu/cre/research/credl/tbi.html Citigroup 3-Month T-Bill returns represent the return on cash and cash-equivalent investments of short maturity and very low risk Commodities represented by Commodities Research Bureau Futures Index, a commodity index based on the futures prices of various commodities Thanks!! sorry for the typo. It's just a homework assignment I have this chart with it and the question is how many years were forign stocks the best-performing asset class. but I'm not sure which one's are considered foreign stocks...or all of them? thank you financgal27!! that's what I was thinking =)

What funds do you suggest investing in for my IRA? I have a vanguard roth ira and have some in the S&P index fund. What other funds stock funds would you suggest for retirement im 24. Im think of a small cap index fund any other suggestions?

401 (k) help investments? I need help with choosing my investments for my 401 (k). I currently have all of the options selected to choose from with 4% - 5% in each investment. I did not know what to pick so i picked all of them. I included below my list of investments. Help me choose what my best options are. Also i am 27 and have been with company for 2 years and they match me up to 6% and I have been contributing 6% the past 2 years and just increased to 10%. FID FREEDOM INCOME 4 % % FID FREEDOM 2010 4 % % FID FREEDOM 2020 4 % % FID FREEDOM 2030 5 % % FID FREEDOM 2040 4 % % FID FREEDOM 2050 5 % % ACTIVELY MANAGED INVESTMENT OPTIONS Stock Investments VANG WINDSOR II ADM 4 % % FID SMALL CAP STOCK 5 % % FID DIVERSIFIED INTL 5 % % TEMPLETON WORLD A 5 % % FID GROWTH COMPANY 5 % % WFA SM CO VALUE ADM 5 % % TRP BLUE CHIP 5 % % Blended Fund Investments* DODGE & COX BALANCED 5 % % Bond/Managed Income COMCAST STABLE VALUE view restriction(s) 4 % % PIM TOTAL RT INST 4 % % INDEX INVESTMENT OPTIONS Stock Investments SPARTAN INTL INDEX 4 % % VANG SM CAP INDEX IS 5 % % VANG TOT STK MKT IS 4 % % SPTN US EQ IND ADVAN 5 % % Bond/Managed Income FIDELITY US BD INDEX 4 % % COMPANY STOCK INVESTMENT OPTIONS Stock Investments COMCAST CLASS A STCK

Underperforming stock, want to reinvest. Please help me pick a stock.? I was looking at my 401k and noticed that Fidelity Magellan has a really crappy return for YTD for the past 3 years. I want to switch it up a little. Here's what I have for Fidelity Magellan. Fidelity Magellan 10% Beginning Balance $2,437.54 Change in Market Value $82.76 <---- that's really bad. all my other ones are $300-500. some other ones I have, not including company stock, are: Artisan Mid Cap INV FID Fidelity FID Diversified Intl FID Freedom K 2050 <---- this one sucks too, I will need to look at that one another time. My options are: ALLNZ NF J DIV VAL I FID BALANCED FID CONTRAFUND K FID FREEDOM K 2000 FID FREEDOM K 2005 FID FREEDOM K 2010 FID FREEDOM K 2015 FID FREEDOM K 2020 FID FREEDOM K 2025 FID FREEDOM K 2030 FID FREEDOM K 2035 FID FREEDOM K 2040 FID FREEDOM K 2045 FID FREEDOM K 2050 FID INTERMED BOND FID SMALL CAP STOCK FIDELITY LOW PR STK FIDELITY RETIRE MMKT FIDELITY US BD INDEX OAKMARK FUND I PIM TOTAL RT INST SPARTAN 500 INDEX SPARTAN INT INDEX SPT EXTND MKT INDEX Which one should I go with? BTW I'm 26.

How to diverisfy my 401k? I'm 24 and my employer matches 50 cent per 1 dollar. I'm not sure how to diversify my portofolio as my employer offers so many. Asset Allocation/Balanced Fidelity Freedom 2050 Fund % Fixed Income Vanguard Prime Money Market % PIMCO Stable Value Fund % PIMCO Total Return Fund % Vanguard Total Bond Market Index Fund % Vanguard Inflation Protected Securities % Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) % Longleaf Partners Fund % LSV Value Equity Fund % Vanguard Mid Cap Index Fund % Vanguard Small Cap Index Fund % Vanguard REIT Index Fund % Stock - (Growth) Fidelity Contrafund % Fidelity OTC Portfolio % Harbor Capital Appreciation Fund % Marsico Growth Fund % Royce Opportunity Fund % International - (Stock) American New Perspective Fund % Fidelity Diversified International % Vanguard Emerging Markets % Vanguard Total International Stock Index Fund What's the difference between stock and stock growth? Co workers mentioned I should stay away from fixed income at all times and invest in international. I'm not sure how to diversify my portfolio. Any idea? This is what I decided on: Asset Allocation/Balanced Fidelity Freedom 2050 Fund 5% Fixed Income PIMCO Total Return Fund 5% Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) 15% Vanguard Mid Cap Index Fund 15% Stock - (Growth) Fidelity Contrafund 20% Harbor Capital Appreciation Fund 15% International - (Stock) American New Perspective Fund 15% Vanguard Emerging Markets 10% Do you think I have too much? Should I reallocate?

Where should I countribute for these 401k fund options? Asset Allocation/Balanced Fidelity Freedom Income Fund Fidelity Freedom 2000 Fund Fidelity Freedom 2010 Fund Fidelity Freedom 2020 Fund Fidelity Freedom 2030 Fund Fidelity Freedom 2040 Fund Fidelity Freedom 2050 Fund Fixed Income Vanguard Admiral Treasury Money Market Portfolio PIMCO Stable Value Fund PIMCO Total Return Fund Vanguard Total Bond Market Index Fund Stock - (Growth/Income) Vanguard Institutional Index (S&P 500) Longleaf Partners Fund LSV Value Equity Fund Vanguard Mid Cap Index Fund Vanguard Small Cap Index Fund Vanguard REIT Index Fund Stock - (Growth) Fidelity Contrafund Fidelity OTC Portfolio Harbor Capital Appreciation Fund Marsico Growth Fund Royce Opportunity Fund International - (Stock) American New Perspective Fund Fidelity Diversified International Templeton Emerging Markets Fund Vanguard Emerging Markets Stock Index Vanguard Total International Stock Index Fund

People who are investment savvy PLEASE answer, just quick advice to a novice please? These are my employers 401K investment options, I currently am contributing 100% to the Vanguard Total Stock Market Index. With the market on the fritz, should I distribute it better and what do you recommend based on the options below. THANK YOU IMMENSELY FOR YOUR GUIDANCE!!!!! Vanguard PRIME Money Market Vanguard Short-Term Invest Grade Bond Fidelity US Bond Index PIMCO Total Return American High Income Trust # Vanguard Value Index # Vanguard Institutional Index # Vanguard Total Stock Market Index # Allianz CCM Capital Appreciation + Fidelity Contrafund Vanguard Growth Index # CRM Mid Cap Value Dreyfus International Stock Index + Nuveen NWQ Small Cap Value Roxbury Small Cap Growth Vanguard Small Cap Growth Index # Company Stock Fund Dreyfus Large Cap Equity I Dreyfus Limited-Term High Yld I BNY Mellon International Appreciation M Dreyfus Large Cap Value I Dreyfus Bond Market Index Basic BNY Mellon Bond Fund M Dreyfus Enhanced Income Institutional BNY Mellon Intermediate U.S. Govt M Dreyfus Instl Reserves Money Hamilton Dreyfus BASIC S&P 500 Index Fund Dreyfus Instl Reserves Treasury Fund GW&K Multi-Cap Equity Fund(A)

Conventional wisdom on diversifying a portfolio? I have roughly 80% stocks vs 20% bonds, but nearly all of my stocks are in large cap growth or large blend funds like vanguard's S&P 500 index. How are you supposed to balance large/mid/small cap; and value vs. Blend vs. Growth? And are there indexes & index funds for mid and small cap stocks?

How should i allocated my 401k? hi , im 28 years old female and need help allocating my 401k. any advice would be much appreciated. below are my options..how much to put where? Stable Value Prudential Guaranteed Interest Account Fixed Income - Money Market Medley Money Market Account Prudential MoneyMart Assets Inc Fixed Income - Intermediate Bond Medley Diversified Bond Account Medley Government Income Account PIMCO Total Return Fund Admin Fixed Income - High Yield American Funds American Hi Inc Balanced - Blend Vanguard Balanced Index Institutional Balanced - Specialty Fidelity Advisor Freedom 2010 I Fidelity Advisor Freedom 2015 Fidelity Advisor Freedom 2020 Fidelity Advisor Freedom 2025 Fidelity Advisor Freedom 2030 Fidelity Advisor Freedom 2035 Fidelity Advisor Freedom 2040 Fidelity Advisor Freedom 2045 I Fidelity Advisor Freedom 2050 I Fidelity Advisor Freedom Inc Medley Conservative Balanced Account Medley Flexible Managed Account Large Cap Stock - Value Eaton Vance Large Cap Val Large Cap Stock - Blend Medley Capital Growth Account (VCA-10) Medley Equity Account (VCA-24) Medley Stock Index Account Vanguard Institutional Index Fund Victory Diversified Stock Fund Large Cap Stock - Growth Growth Fund of America Mid Cap Stock - Value Columbia Mid Cap Value Z Mid Cap Stock - Growth Alger MidCap Growth Institutional I Small Cap Stock - Blend Loomis Sayles Small Cap Value Instl Small Cap Stock - Growth Legg Mason ClearBridge Small Cap Growth Fund Class A Global Stock - Global/International Medley Global Account International Stock - Blend American Funds EuroPacific Growth Fund Specialty - Real Estate ING Real Estate Instl

How should I allocate my 401K from these Choices 8-2010:? DWS Stable Value Trust - Institutional Shares PIMCO Total Return Fund - Administrative Class DWS LifeCompass 2015 Fund - Class S DWS LifeCompass 2020 Fund - Class S DWS LifeCompass 2030 Fund - Class S DWS LifeCompass 2040 Fund - Class S DWS LifeCompass Retirement Fund - Class S BlackRock Equity Dividend Fund - Institutional Class MFS Value Fund - Class R4 DWS Growth & Income Fund - Class S Janus Twenty Fund - Class T Franklin Balance Sheet Investment Fund - Class Adv Victory Established Value Fund - Class A Federated Mid-Cap Index Fund DWS Stock Index Trust DWS Dreman Small Cap Value Fund - Class S Oppenheimer Main Street Small Cap Fund - Class Y Invesco Van Kampen Small Cap Growth Fund - Class Y DWS Global Thematic Fund - Class S Thanks!!!

Answer to a Statistics problem on correlation...? This is the problem and I don't understand it. Can anyone help? "Mutual fund reports often give correlations to describe how the prices of different investments are related. You look at the correlations between three Fidelity funds and the Standard & Poor's 500 stock index, which describes stocks of large U.S. companies. The three funds are Dividend Growth (stocks of large U.S. companies), Small Cap Stock (stocks of small U.S. companies), and Emerging Markets (stocks in developing countries). For 2003, the three correlations are r = 0.35, r = 0.81, and r = 0.98" Which correlation goes with each fund and why?

For each of the following choices, what stock mutual fund would you invest in and why? Stock Mutual Funds: 4) Blue Chip 5) Sector Fund (i.e. Healthcare, Technology, Small Cap., Environmental, etc. etc.) 6) Index Funds 7) International, Emerging markets or BRIC Funds What would you invest in?

Deciding on an investment fund through Vanguard- Please help!? My employers will be depositing 3% of my salary into a Vanguard account, yet I need to choice a investment fund. Any suggestions? Please advise! The 3% comes out to about $40.00 bi-weekly. Here are my options: 500 Index Fund 0040VFINX Admiral Treasury Money Market Fund 0011VUSXXClosed Asset Allocation Fund 0078VAAPX Balanced Index Fund 0002VBINX California Intermediate-Term Tax-Exempt Fund 0100VCAIX California Long-Term Tax-Exempt Fund 0075VCITX California Tax-Exempt Money Market Fund 0062VCTXX Capital Opportunity Fund 0111VHCOXClosed Capital Value Fund 0328VCVLXClosed Convertible Securities Fund 0082VCVSX Developed Markets Index Fund 0227VDMIX Diversified Equity Fund 0608VDEQX Dividend Appreciation Index Fund 0602VDAIX Dividend Growth Fund 0057VDIGX Emerging Markets Stock Index Fund 0533VEIEX Energy Fund 0051VGENX Equity Income Fund 0065VEIPX European Stock Index Fund 0079VEURX Explorer Fund 0024VEXPX Explorer Value Fund 1690VEVFX Extended Market Index Fund 0098VEXMX Federal Money Market Fund 0033VMFXXClosed Florida Long-Term Tax-Exempt Fund 0018VFLTX FTSE All-World ex-US Index Fund 0770VFWIX FTSE All-World ex-US Small-Cap Index Fund 1684VFSVX FTSE Social Index Fund 0213VFTSX Global Equity Fund 0129VHGEX GNMA Fund 0036VFIIX Growth and Income Fund 0093VQNPX Growth Equity Fund 0544VGEQX Growth Index Fund 0009VIGRX Health Care Fund 0052VGHCX High Dividend Yield Index Fund 0623VHDYX High-Yield Corporate Fund 0029VWEHX High-Yield Tax-Exempt Fund 0044VWAHX Inflation-Protected Securities Fund 0119VIPSX Intermediate-Term Bond Index Fund 0314VBIIX Intermediate-Term Investment-Grade Fund 0071VFICX Intermediate-Term Tax-Exempt Fund 0042VWITX Intermediate-Term Treasury Fund 0035VFITX International Explorer Fund 0126VINEX International Growth Fund 0081VWIGX International Value Fund 0046VTRIX Large-Cap Index Fund 0307VLACX LifeStrategy Conservative Growth Fund 0724VSCGX LifeStrategy Growth Fund 0122VASGX LifeStrategy Income Fund 0723VASIX LifeStrategy Moderate Growth Fund 0914VSMGX Limited-Term Tax-Exempt Fund 0031VMLTX Long-Term Bond Index Fund 0522VBLTX Long-Term Investment-Grade Fund 0028VWESX Long-Term Tax-Exempt Fund 0043VWLTX Long-Term Treasury Fund 0083VUSTX Managed Payout Distribution Focus Fund 1499VPDFX Managed Payout Growth and Distribution Fund 1498VPGDX Managed Payout Growth Focus Fund 1497VPGFX Market Neutral Fund 0634VMNFX Massachusetts Tax-Exempt Fund 0168VMATX Mid-Cap Growth Fund 0301VMGRX Mid-Cap Growth Index Fund 0832VMGIX Mid-Cap Index Fund 0859VIMSX Mid-Cap Value Index Fund 0835VMVIX Morgan Growth Fund 0026VMRGX New Jersey Long-Term Tax-Exempt Fund 0014VNJTX New Jersey Tax-Exempt Money Market Fund 0095VNJXX New York Long-Term Tax-Exempt Fund 0076VNYTX New York Tax-Exempt Money Market Fund 0163VYFXX Ohio Long-Term Tax-Exempt Fund 0097VOHIX Ohio Tax-Exempt Money Market Fund 0096VOHXX Pacific Stock Index Fund 0072VPACX Pennsylvania Long-Term Tax-Exempt Fund 0077VPAIX Pennsylvania Tax-Exempt Money Market Fund 0063VPTXX Precious Metals and Mining Fund 0053VGPMX Prime Money Market Fund 0030VMMXX PRIMECAP Core Fund 1220VPCCXClosed PRIMECAP Fund 0059VPMCXClosed REIT Index Fund 0123VGSIX Selected Value Fund 0934VASVX Short-Term Bond Index Fund 0132VBISX Short-Term Federal Fund 0049VSGBX Short-Term Investment-Grade Fund 0039VFSTX Short-Term Tax-Exempt Fund 0041VWSTX Short-Term Treasury Fund 0032VFISX Small-Cap Growth Index Fund 0861VISGX Small-Cap Index Fund 0048NAESX Small-Cap Value Index Fund 0860VISVX STAR Fund 0056VGSTX Strategic Equity Fund 0114VSEQX Strategic Small-Cap Equity Fund 0615VSTCX Target Retirement Income Fund 0308VTINX Target Retirement 2005 Fund 0302VTOVX Target Retirement 2010 Fund 0681VTENX Target Retirement 2015 Fund 0303VTXVX Target Retirement 2020 Fund 0682VTWNX Target Retirement 2025 Fund 0304VTTVX Target Retirement 2030 Fund 0695VTHRX Target Retirement 2035 Fund 0305VTTHX Target Retirement 2040 Fund 0696VFORX Target Retirement 2045 Fund 0306VTIVX Target Retirement 2050 Fund 0699VFIFX Target Retirement 2055 Fund 1487VFFVX Tax-Exempt Money Market Fund 0045VMSXX Tax-Managed Balanced Fund 0103VTMFX Tax-Managed Capital Appreciation Fund 0102VMCAX Tax-Managed Growth and Income Fund 0101VTGIX Tax-Managed International Fund 0127VTMGX Tax-Managed Small-Cap Fund 0116VTMSX Total Bond Market Index Fund 0084VBMFX Total International Stock Index Fund 0113VGTSX Total Stock Market Index Fund 0085VTSMX Total World Stock Index Fund 0628VTWSX U.S. Growth Fund 0023VWUSX U.S. Value Fund 0124VUVLX Additional Opitons.... I was unable to add them all! :) Value Index Fund 0006VIVAX Wellesley Income Fund 0027VWINX Wellington Fund 0021VWELX Windsor Fund 0022VWNDX Windsor II Fund 0073VWNFX

Where should the percentages go in my 401K? I have 100% to scatter through all these stocks and bonds. They are... Individual Mutual Funds -Stable Value -Bond (PTRX) -Large Cap Value (DODGX) -Large Cap Growth (RGAFX) -S&P 500 Index (VFINX) -Mid Cap Value (RMCVX) -Mid Cap Growth (ACTWX) -Small Cap Growth (VASCX) -Small Cap Index (NAESX) -International Stock (AEPGX) Model Portfolio -Consercative Model Portfolio -Moderate Model Portfolio -Aggressive Model Portfolio I am not very knowledgeable on this topic at all, I know that this is my money so I don't want to make dumb choices. Could someone help lead me in the right direction?

How should I allocate my Roth 401k contributions? I am 24 years old and I am going to begin contributing into a Roth 401K retirement plan. I'll start with 10%. Please review the funds that my company offers and advise what would be the wisest investments at this time in my life. I assume that most of you will suggest going aggresive early on and I agree. Thanks in advance for the responses, and please answer only if you have some real experience because I'm trying to learn from you guys. Short-Term Fixed Income Stable Value Government Inflation-Protected Bond Core Bond Intermediate Bond High Yield Bond Large Cap Value Index Large Cap Value Growth and Income S&P 500 Index Large Cap Growth Index Mid Cap Value Mid Cap Growth Small Cap Index Small Cap Core Small Cap Blend Intl. Large Cap Value Intl. Large Cap Index Intl. Large Cap Core Intl. Small Cap Firm Common Stock or you can just choose 1 of these: Moderately Conservative Portfolio Moderately Aggressive Portfolio Aggressive Portfolio Thanks for all the responses so far! Just a few more details. I'm an Operations Analyst in the management development program at JPMorgan Chase. The firm does provide matching contributions so I will be taking advantage of that. Should I only contribute the maximum amount that they will match or is it ok to contribute more? Also, my rationale behind taking the Roth is this... I figure taxes will rise in the future so I would rather pay them now while they're lower so I can keep more money down the road. Also, the firm just sent me some books to look through so I can do my homework on the different funds that they offer. Thanks again for all the responses. I'm the first in my family to go to college and get a good job so I didn't have a lot of people to ask for advice. I really appreciate everybody's advice!

How should I allocate my new 401k? I'm 22, and the company I work for offers a 401k plan with 50% match. I'm new to all of this and have been doing some research on my options. I don't plan on withdrawing anything from it for a long time. Any professional/experienced help would be greatly appreciated. Below are funds I have to choose from: SHORT-TERM RESERVES Vanguard Prime Money Mkt Fund Vanguard Retire Savings Trust IV BOND FUNDS Vanguard Total Bond Mkt Index Inv BALANCED FUNDS (STOCKS & BONDS) Vanguard Asset Allocation Fund Inv Vanguard Convertible Securities Vanguard Target Retirement Income Vanguard Target Retirement 2015 Vanguard Target Retirement 2025 Vanguard Target Retirement 2035 Vanguard Target Retirement 2045 DOMESTIC STOCK FUNDS Dodge & Cox Stock Vanguard 500 Index Fund Inv Vanguard Explorer Fund Investor Vanguard Mid-Cap Index Fund Inv Vanguard PRIMECAP Fund Investor Vanguard Small-Cap Index Fund Inv INTERNATIONAL STOCK FUNDS Dodge & Cox Intl Stock SPECIALTY STOCK FUNDS Vanguard REIT Index Fund Inv

How to invest in India communications stocks? Offshore accounts? Have some interest in Indian telecom companies and indian small cap stocks. Can anyone find the listings on the OTC. The 3 better ETF I was able to find were EPI, PIN, and INP respectively. However only 10% is invested in Telecom in each index.

Is there a US MF or ETF company w/ online service where a non-US resident can participate in mutual funds? MF - mutual fund ETF - Exchange Traded Fund I live in Asia. Im looking to invest in small cap stock funds and s&p indexed funds.

How should I invest my 401k? Hi I'm 24 and want to start my 401k, I plan on contributing $392 a month and the company I work for will match 50% up to 6% of the pay I put in. I don't know if I said that right lol. Thanks for the help, this is with Fidelity. These are my options... Stocks Large Cap: Vanguard Institutional Index Fund Institutional Plus Victory Diversified Stock Fund Class I Shares Mid-Cap: Vanguard Mid-Cap Index Fund Signal Vanguard Strategic Equity Inv CL Small Cap: TARGET Small Capitalization Value Portfolio Class T Vanguard Small-Cap Index Fund Signal International: AllianceBernstein International Style Blend Collective Trust Spartan International Index Fund - Investor Class Bond Investments Stable Value : ABN AMRO Income Plus Fund Income: PIMCO Total Return Inst CL

How to diversify - move out of S&P into small caps now? For the past few years I've had 80% of my assets in an S&P index and Growth index. This is my savings which I won't be spending for a long time. Wondering what the best strategy would be to diversify into small caps, international, and value stocks. All those have had a huge run up in the last few years (I missed it) and the S&P and Growth is where a lot of money is being invested now. Can you suggest a long-term strategy to reduce exposure in S&P and Growth and buy into the asset classes that are currently outperforming? Sell a % every few months and keep it in cash until there is another correction? Or simply dump and diversify now for the long haul? Or ride the S&P and Growth for a while longer to see if it has it's day?

401K fund allocation? Im 25 and looking were to put my money for my 401K. This is the Aggressive Portfolio.....Is this good for someone young with 35+ years to wait it out? I was thinking 50% in this portfolio and 50% in a Moderate Aggressive Galliard Capital Management Managed Income 0% Mellon EB Daily Liquidity Aggregate Bond Index 0% Vanguard Inflation-Protected Securities 0% Vanguard Windsor II Adm 12% Mellon EB Daily Liquidity Stock Index 23% Harbor Capital Appreciation Instl 12% Mellon EB Daily Liquidity Mid Cap Index 13% American Beacon Small Cap Value Instl 2% William Blair Small Cap Growth I 1% Dodge & Cox International Stock 12% Mellon EB Daily Liquidity Internat ional Stock 12% Lazard Emerging Markets Instl 5% Vangu ard REIT Index 8% Cash 0% Bonds 0% Stocks 100%

As a recent college grad, how should I invest in my 401(k)? I just graduated from college and have started my first job. I have already decided how much of my income into my 401(k). Now I need to figure out what percentage of that amount I should allocate between the following funds. DWS Stable Value Trust Franklin High Income Fund PIMCO Total Return Fund DWS Inflation Protected Plus Fund DWS Large Cap Value fund BlackRock Equity Dividend Fund DWS S&P 500 Index Fund Victory Diversified Stock Fund DWS Dreman Small Cap Value Fund Franklin Small Cap Value Fund First American Mid Cap Index Fund First American Small Cap Index Fund Lord Abbett Developing Growth Fund BlackRock International Fund DWS US Bond Index Fund American Funds Growth Fund of America American Funds EruoPacific Growth Fund Seligman Communications and Information Fund Right now I have 20% in the Bond index and 80% in the S&P 500 index, but I think I should diversify? Ideas and suggestions welcome.

Can anyone help me with my 401k? I am 32 years old and currently have 72k in my 401k (95k 1 year ago). My husband leaves the investing up to me and I can't say I know what I am doing. I currently have all our money in stocks. International ones. After it went down so much yesterday, I was thinking about cashing out. I really don't care about the 30% I would lose doing so, because I feel like I will lose it anyway when we fall into an even deeper depression. (Just my opinion) My husband had a better idea I think. He asked about putting it all in bonds so we don't lose the money on taxes cashing out. So getting to my question...If I did transfer ALL the money to bonds, is this federally insured? I know I am young, but at this point I want to play it very safe and don't care much about making more money. I would appreciate any suggestions. These are the choices I have to choose from: Large Cap ABF LARGE CAP VAL PA * FID CONTRAFUND FID DISCIPLINED EQTY GS STR LG CAP GRTH A SPARTAN US EQ INDEX Mid-Cap BARON ASSET FUND * FID MID CAP STOCK FID VALUE FKLN SMMIDCAP GRTH A SPTN EXTND MKT INDEX Small Cap HTFD SM CAP GROWTH Y WFA SM CAP VAL INV International * FID DIVERSIFIED INTL SPARTAN INTL INDEX Blended Investment* FID FREEDOM 2000 FID FREEDOM 2005 FID FREEDOM 2010 FID FREEDOM 2015 FID FREEDOM 2020 FID FREEDOM 2025 FID FREEDOM 2030 FID FREEDOM 2035 FID FREEDOM 2040 FID FREEDOM 2045 FID FREEDOM 2050 FID FREEDOM INCOME FID PURITAN Bond Investments Stable Value FID MGD INC PORT Income FIDELITY INVST GR BD FIDELITY US BD INDEX FIDELITY RETIRE MMKT Other Investments BROKERAGELINK I also wanted to add that my husband works for a mortgage company. What happens if they go bankrupt? Is our 401k safe except for what has not vested? Thanks Steve D for your answer. There are a couple of things though... The 2035 fund did worse than the international fund I have for the past 1yr, 5yrs etc.. And if I did pull out the money, I have been making 3-4.5% interest on it from our online bank. I am pretty much looking for any option where my money is guaranteed. I didn't realize that bonds aren't insured so I won't take that option. Besides cashing out and investing at the bank, what would be another safe option? Are there any? The only way we saved so much is because my my husband's last company matched dollar for dollar up to 6% and I matched it cause it was free money. If it weren't for that, we wouldn't have much either. The company he is with now had a small match but no longer do it because of the economy. I was trying to be risky with putting it all into international because that had the greatest gain and wanted to make some extra money fast and then diversify again. According to the statistics given by the investing firm I'm with, I did pretty well losing the least that I could. (Except that the whole market did awful) MVD 34 No offense taken. I truly understand where you are coming from and I respect that. My husband and I have been discussing our options and have narrowed it down: (Due to fact that we think the market is going to fall a lot more) We will either stop putting the 3% in from each check and hope the market doesn't fall a lot or will cash out the 401k and put it into an online savings account. If I choose to leave it in the 401k I will most likely do as you suggested and just put it into the Freedom fund and forget about it.

Why are Vanguard expense ratios on their website different from in their print ads? I received an advertisement (ACOPIDX_0509) by U.S. mail from Vanguard that compared "Vanguard's average index fund cost" to "Industry average index fund cost". The ad said it was "comparing Vanguard's average index fund expense ratio of 0.15% to the industry average.". Vanguard's website (https://personal.vanguard.com/us/funds/vanguard/all?sort=name&sortorder=asc#hist=upperTB%3AattrTBI%3A%3AlowerTB%3AgenTBI) says that all their index funds have expense ratios from 0.18% (500 Index and Total Stock Market Index) to 0.60% (FTSE All-World ex-US Small-Cap Index). If all the funds have expense ratios of 0.18% or more, how can the average be only 0.15%? In other words, how can the average be less than any of the numbers being averaged?

Is this Vanguard advertisement misleading/dishonest? I received an advertisement (ACOPIDX_0509) by U.S. mail from Vanguard that compared "Vanguard's average index fund cost" to "Industry average index fund cost". The advertisement indicated what costs an investor would experience based on "Vanguard's average index fund expense ratio of 0.15% to the industry average.". However, investor shares of all Vanguard index funds have expense ratios from 0.18% (500 Index and Total Stock Market Index) to 0.60% (FTSE All-World ex-US Small-Cap Index). The advertised average was skewed by the inclusion of institutional shares that are not available to the general public. In other words, the actual cost to an individual investor (based on the expense ratios of Vanguard investor shares) would be more than the amount stated in the advertisement. Was using the overall average expense ratio, instead of the investor shares expense ratio, in the advertisement the right thing to do? the wrong thing, but legal? illegal?

I'm currently 20 yrs old and im trying to find the best way to invest for my 401k retirement .My company is? through merrill lynch below are the investments offered below thank you for reading my question and please dont write any mean comments im only young and trying to invest earlier so that when im older i can retire with full satisfaction thanks for your time. investment Type Symbol Price STABLE VALUE FUND STABLE VALUE FUND Core FDFXINC $19.52 EQUITY/STOCK TARGET 2005 RETIREMENT TRUST Core TRT05 $10.44 TARGET 2010 RETIREMENT TRST II Core TRT10 $10.26 TARGET 2015 RETIREMENT TRST II Core TRT15 $10.06 TARGET 2020 RETIREMENT TRST II Core TRT20 $9.81 TARGET 2025 RETIREMENT TRST II Core TRT25 $9.58 TARGET 2030 RETIREMENT TRST II Core TRT30 $9.36 TARGET 2035 RETIREMENT TRST II Core TRT35 $9.19 TARGET 2040 RETIREMENT TRST II Core TRT40 $9.19 TARGET 2045 RETIREMENT TRST II Core TRT45 $9.18 TARGET 2050 RETIREMENT TRST II Core TRT50 $9.20 TARGET INCOME RETIREMENT TRST Core TRT00 $10.68 S&P 500 STOCK INDEX FUND Core FDSP500 $17.54 SMALL / MID CAP STOCK FUND Core LFCORE $19.23 INTERNATIONAL STOCK FUND Core AIEF $14.31 MACYS STOCK FUND Core FDSTK $11.53 SELF DIRECT BROKERAGE OPTIONS= what exactly is this and does it benefit me? SELF DIRECT BROKERAGESM OPTION=what exactly is that and does it benefit me?

whats the best investment right now for 401k through merril lynch? I'm currently 20 yrs old and im trying to find the best way to invest for my 401k retirement .My company is through merrill lynch below are the investments offered below. I work at macys and they only match 10% of what i make .thank you for reading my question and please dont write any mean comments im only young and trying to invest earlier so that when im older i can retire with full satisfaction thanks for your time. investment Type Symbol Price STABLE VALUE FUND STABLE VALUE FUND Core FDFXINC $19.52 EQUITY/STOCK TARGET 2005 RETIREMENT TRUST Core TRT05 $10.44 TARGET 2010 RETIREMENT TRST II Core TRT10 $10.26 TARGET 2015 RETIREMENT TRST II Core TRT15 $10.06 TARGET 2020 RETIREMENT TRST II Core TRT20 $9.81 TARGET 2025 RETIREMENT TRST II Core TRT25 $9.58 TARGET 2030 RETIREMENT TRST II Core TRT30 $9.36 TARGET 2035 RETIREMENT TRST II Core TRT35 $9.19 TARGET 2040 RETIREMENT TRST II Core TRT40 $9.19 TARGET 2045 RETIREMENT TRST II Core TRT45 $9.18 TARGET 2050 RETIREMENT TRST II Core TRT50 $9.20 TARGET INCOME RETIREMENT TRST Core TRT00 $10.68 S&P 500 STOCK INDEX FUND Core FDSP500 $17.54 SMALL / MID CAP STOCK FUND Core LFCORE $19.23 INTERNATIONAL STOCK FUND Core AIEF $14.31 MACYS STOCK FUND Core FDSTK $11.53 SELF DIRECT BROKERAGE OPTIONS= what exactly is this and does it benefit me? SELF DIRECT BROKERAGESM OPTION=what exactly is that and does it benefit me?

Help me with asset allocation!? I came up with a contribution strategy so that at the end of 2011, my asset allocation will look like the following. Let me know what you think. Fixed Income (total 30%): - 6%, Inflation protected bonds - 6%, Long term treasury bond index - 19%, Total bond market index Equity (total 70%): - 21%, Small cap index - 6%, REITs index - 10%, Int'l equity (Brazil, China, India) - 37%, Total stock market index - 6%, S&P 500 Index I am 30 years old and plan to retire in 20-30 years. In the future I can add ETFs for commodities and other investments. Many thanks.

Which of the follwoing is the better student portfolio? Why? Portfolio A 10% Large cap value index (VIVAX) 10% Large cap blend index (VFINX) 10% Small cap blend index (NAESX) 10% Small cap value index (VISVX) 20% REIT (VGSIX) 40% International stock index (VGTSX) Portfolio B 20% REIT (VGSIX) 40% Growth-oriented global fund of index funds (VASGX) 40% Actively-managed global fund (VHGEX) EDIT: The student is an undergrad The student invests for 20-60 years ahead

Need to rebalance 401k. Looking for advice on funds to choose? Below are the options in my 401k. I am 31 years old. Don't mind being a little risky and I currently have $50,000 in my 401k (down 32.5% this year :) Any advice on which funds I should pick and what percentages I should use would be awesome!! Stock Investments Large Cap AF GRTH FUND AMER R4 DAVIS NY VENTURE A * FID CONTRAFUND * FID EQUITY INCOME * SPARTAN US EQ INDEX Mid-Cap ARIEL APPRECIATION COLUMBIA ACORN Z GS MIDCAP VALUE INST WFA C&B MDCP VAL INV Small Cap ABF SM CAP VAL INST ALLNZ NFJ SMCPVAL AD FBR FOCUS INV FID SMALL CAP STOCK International AF EUROPAC GRTH R4 FID DIVERSIFIED INTL SPARTAN INTL INDEX Blended Fund Investments* International BLKRK GLOBAL ALLOC I FID BALANCED FID FREEDOM 2000 FID FREEDOM 2005 FID FREEDOM 2010 FID FREEDOM 2015 FID FREEDOM 2020 FID FREEDOM 2025 FID FREEDOM 2030 FID FREEDOM 2035 FID FREEDOM 2040 FID FREEDOM 2045 FID FREEDOM 2050 FID FREEDOM INCOME VAN KAMPEN EQ INC A Bond Investments Stable Value FID MGD INC PORT Income FIDELITY US BD INDEX PIM TOTAL RT INST Other Investments BROKERAGELINK

How should I allocate my 401K from these Choices 8-2010:? DWS Stable Value Trust - Institutional Shares PIMCO Total Return Fund - Administrative Class DWS LifeCompass 2015 Fund - Class S DWS LifeCompass 2020 Fund - Class S DWS LifeCompass 2030 Fund - Class S DWS LifeCompass 2040 Fund - Class S DWS LifeCompass Retirement Fund - Class S BlackRock Equity Dividend Fund - Institutional Class MFS Value Fund - Class R4 DWS Growth & Income Fund - Class S Janus Twenty Fund - Class T Franklin Balance Sheet Investment Fund - Class Adv Victory Established Value Fund - Class A Federated Mid-Cap Index Fund DWS Stock Index Trust DWS Dreman Small Cap Value Fund - Class S Oppenheimer Main Street Small Cap Fund - Class Y Invesco Van Kampen Small Cap Growth Fund - Class Y DWS Global Thematic Fund - Class S Thanks!!!

Which mutual funds to invest in? I was wondering if anyone could he me pick investment options in my 401k. My current options are as follows: Large Cap ABF LG CAP VAL INV DAVIS NY VENTURE A FID CAP APPRECIATION * FID CONTRAFUND * FID FIDELITY SPARTAN 500 INDEX Mid-Cap * ARTISAN MID CAP INV PERKINS MID CP VAL T Small Cap FID SMALL CAP STOCK ROYCE LOW PR STK SER * WFA SM CAP VAL INV International * FID DIVERSIFIED INTL Blended Investment* FID FREEDOM 2000 FID FREEDOM 2005 FID FREEDOM 2010 FID FREEDOM 2015 * FID FREEDOM 2020 * FID FREEDOM 2025 FID FREEDOM 2030 FID FREEDOM 2035 FID FREEDOM 2040 FID FREEDOM 2045 FID FREEDOM 2050 * FID FREEDOM INCOME Bond Investments Stable Value * FID MGD INC PORT Income * FIDELITY US BD INDEX

What should I choose as my investment elections for 401K? How should I invest my 401k? Hi I'm 29 and want to start my 401k, I plan on contributing $200 a month and the company I work for will match 50% up to 5% of the pay I put in. I don't know if I said that right lol. Thanks for the help, this is with Fidelity. I wish I could put more, but I have to put $100 in each of my children's 529 account. I have 2 babies (a 3 year old and 10 month old). These are my options... Asset Class Subclass Fund Name Blended Investments--BLKRK ASSET ALLOC IS Blended Investments--FA FREEDOM 2005 I Blended Investments--FA FREEDOM 2010 I Blended Investments--FA FREEDOM 2015 I Blended Investments--FA FREEDOM 2020 I Blended Investments--FA FREEDOM 2025 I Blended Investments--FA FREEDOM 2030 I Blended Investments--FA FREEDOM 2035 I Blended Investments--FA FREEDOM 2040 I Blended Investments--FA FREEDOM 2045 I Blended Investments--FA FREEDOM 2050 I Blended Investments--FA FREEDOM INC I Bond InvestmentsStable ValueFA STABLE VALUE Bond InvestmentsIncomeFA INVST GRD BOND I Bond InvestmentsIncomeFA STRAT INCOME I Stock InvestmentsLarge Cap1ST AMER EQ INDEX Y Stock InvestmentsLarge CapABF LG CAP VAL INV Stock InvestmentsLarge CapBLKRK EQUITY DIV I Stock InvestmentsLarge CapFA NEW INSIGHTS I Stock InvestmentsLarge CapOPPHMR MAIN ST OPP Y Stock InvestmentsMid-CapCOL MID CAP VALUE Z Stock InvestmentsMid-CapTHORNBURG CORE GR R5 Stock InvestmentsSmall CapCOL SM CAP VAL II Z Stock InvestmentsSmall CapFA SMALL CAP I Stock InvestmentsInternationalBLKRK INTL OPP INST Stock InvestmentsInternationalFA INTL DISCOVERY I view restriction(s) Stock InvestmentsInternationalTHORNBURG INT VAL R5

Investing in a 403B. Which percentage would you place of the following options and why? See fidelity list:? I have all these choice names below... which would you pick and why? They all mean nothing to me. Would like to retire in 25 years. * (Total must equal 100%) Total: 0% Fund Name FID STRAT DIV & INC FID ASSET MGR 50% FID CONVERTIBLE SEC FID ASSET MGR 20% FID ASSET MGR 30% FID ASSET MGR 40% FID ASSET MGR 60% FID ASSET MGR 70% FID ASSET MGR 85% FID BALANCED FID DYNAMIC STRAT FID FREEDOM 2000 FID FREEDOM 2005 FID FREEDOM 2010 FID FREEDOM 2015 FID FREEDOM 2020 FID FREEDOM 2025 FID FREEDOM 2030 FID FREEDOM 2035 FID FREEDOM 2040 FID FREEDOM 2045 FID FREEDOM 2050 FID FREEDOM INCOME FID GLOBAL BALANCED % FID PURITAN FID STRAT REAL RET % FID CAPITAL & INCOME % FID CORPORATE BOND FID FLOAT RT HI INC % FID FOCUSED HIGH INC % FID GNMA FID HIGH INCOME % FID INFLAT PROT BOND FID INST SH INT GOVT FID INTERMED BOND FID INTM GOVT INCOME FID MORTGAGE SEC FID NEW MARKETS INC % FID SHORT TERM BOND FID STRATEGIC INCOME FID TOTAL BOND FID ULTRASHORT BOND % FIDELITY GOVT INCOME FIDELITY INVST GR BD FIDELITY US BD INDEX SPTN INT TR INDX INV SPTN LT TR INDX INV SPTN ST TR INDX INV FID GOVT MMKT FID MONEY MARKET FID SEL MONEY MARKET FID US TREASURY MM FIDELITY CASH RESRVE FIDELITY RET GOVT MM FIDELITY RETIRE MMKT FIDELITY US GOVT RES ABF LG CAP VAL INV AF GRTH FUND AMER R4 CALAMOS GROWTH A FID 130/30 LG CAP FID BLUE CHIP GROWTH FID BLUE CHIP VALUE FID CAP APPRECIATION FID CONTRAFUND FID DISCIPLINED EQTY FID DIVIDEND GROWTH FID EQUITY INCOME II FID EQUITY INCOME FID EXP & MULTINATL % FID FIDELITY FID FIFTY FID FOCUSED STOCK FID FOUR IN ONE IDX FID GROWTH & INCOME FID GROWTH COMPANY FID GROWTH DISCOVERY FID INDEPENDENCE FID LARGE CAP GROWTH FID LARGE CAP STOCK FID LARGE CAP VALUE FID LC CORE ENH INDX FID LC GR ENH INDX FID LC VAL ENH INDX FID MEGA CAP STOCK FID NASDAQ COMP INDX % FID OTC PORTFOLIO FID STK SEL ALL CAP FID TREND FID VALUE DISCOVERY FIDELITY MAGELLAN SPARTAN 500 INDEX SPTN TOTAL MKT INDEX % COLUMBIA ACORN Z FID GR STRATEGIES % FID LEVERAGED CO STK % FID MID CAP ENH INDX % FID MID CAP GROWTH % FID MID CAP STOCK % FID MID CAP VALUE % FID VALUE FIDELITY LOW PR STK % FIDELITY NEW MILLEN SPTN EXTND MKT INDEX % FID SM CAP DISCOVERY % FID SM CP ENH INDX % FID SMALL CAP GROWTH % FID SMALL CAP STOCK % FID SMALL CAP VALUE % FID STK SEL SM CAP % FID VALUE STRATEGIES FID CANADA % FID CHINA REGION % FID DIVERSIFIED INTL % FID EMEA % FID EUROPE CAP APP % FID EUROPE % FID INTL CAP APPREC % FID INTL DISCOVERY % FID INTL ENH INDEX % FID INTL GROWTH % FID INTL SM CAP OPP % FID INTL SMALL CAP % FID INTL VALUE % FID JAPAN SMALLER CO % FID JAPAN % FID LATIN AMERICA % FID OVERSEAS % FID PACIFIC BASIN % FID SOUTHEAST ASIA % FID TOTAL INTL EQ % FID WORLDWIDE % FIDELITY EMERG MRKTS % FIDELITY NORDIC % SPARTAN INTL INDEX % FID INTL REAL ESTATE % FID REAL ESTATE INC % FID REAL ESTATE INVS % FID SEL AIR TRANSPRT % FID SEL AUTOMOTIVE % FID SEL BANKING % FID SEL BIOTECH % FID SEL BROKERAGE % FID SEL CHEMICALS % FID SEL COMM EQUIP % FID SEL COMPUTERS % FID SEL CONS DISCR % FID SEL CONS STAPLES % FID SEL CONSTR/HOUSE % FID SEL DEFENSE % FID SEL ELECTRONICS % FID SEL ENERGY SVCS % FID SEL ENERGY % FID SEL ENV ALT ENGY % FID SEL FINANCIAL % FID SEL GOLD % FID SEL HEALTHCARE % FID SEL HOME FINANCE % FID SEL INDUST EQUIP % FID SEL INDUSTRIALS % FID SEL INSURANCE % FID SEL IT SERVICES % FID SEL LEISURE % FID SEL MATERIALS % FID SEL MED EQ & SYS % FID SEL MEDICAL DEL % FID SEL MULTIMEDIA % FID SEL NATURAL GAS % FID SEL NATURAL RES % FID SEL PHARMACEUTCL % FID SEL RETAILING % FID SEL SOFTWARE % FID SEL TECHNOLOGY % FID SEL TELECOMM % FID SEL TRANSPORT % FID SEL UTILITIES % FID SEL WIRELESS % FID TELECOM & UTIL FID GLB COMDTY STK

Just started working and need some advice with my 401k? I'm 25 and I need some 401k advice cuz I'm so new at this. My company offer a 401k plan through Fidelity FID FRDM INDX 2045 K. The company is matching my contribution $ per $ up to 4% of my salary plus an additional 4% retirement fund. Is that a good benefit offer? And is Bond/Stable Value Inv Stable Value FIXED INCOME FUND the safest place for my money? My current setting is 80% in stock market (FID FRDM INDX 2045 K) and 20% in Bond/Stable Value Inv Stable Value FIXED INCOME FUND. Also how at my age, should I invest some in bonds? Blended Investments -- FID FRDM INDX 2000 K Blended Investments -- FID FRDM INDX 2005 K Blended Investments -- FID FRDM INDX 2010 K Blended Investments -- FID FRDM INDX 2015 K Blended Investments -- FID FRDM INDX 2020 K Blended Investments -- FID FRDM INDX 2025 K Blended Investments -- FID FRDM INDX 2030 K Blended Investments -- FID FRDM INDX 2035 K Blended Investments -- FID FRDM INDX 2040 K Blended Investments -- FID FRDM INDX 2045 K Blended Investments -- FID FRDM INDX 2050 K Blended Investments -- FID FRDM INDX INC K Bond/Stable Value Inv Stable Value FIXED INCOME FUND Bond/Stable Value Inv Income PIMCO TOTAL RETURN P Bond/Stable Value Inv Income VANG TOT BD MKT INV Short-Term Investments -- VANG PRIME MM INST Stock Investments Large Cap FID GROWTH CO K Stock Investments Large Cap SPTN TOTAL MKT INDEX Stock Investments Large Cap VANG CAPITAL VAL INV Stock Investments Mid-Cap FID LOW PRICED STK K Stock Investments Small Cap ROYCE LOW PR STK IS Stock Investments International AF EUROPAC GROWTH R5 Stock Investments International DODGE & COX INTL STK Stock Investments International SPARTAN INTL INDEX Stock Investments Specialty FID REAL ESTATE INVS

HELP! 401k enrollement? At my job, i have been told i need to do my 401K enrollement.. the only thing is.. i have no idea what i should invest in. what percentage should go where... Please help me by telling me the basics of the 401k and how it applies to my life... I am a college student, and am not dumb or anything like that. I understand that I am going to need my 401k and that it rolls over... I just do not know anything else about 401k/ investments Can you help break it down for me... BY THE WAY.. I am being asked to set of investments for future contributions. What percentage should i choose for each Short-Term Fixed Income Fund 0% % Stable Value Fund 0% % Government Inflation-Protected Bond Fund 0% % Core Bond Fund 0% % Intermediate Bond Fund 0% % High Yield Bond Fund 0% % Large Cap Value Index Fund 0% % Large Cap Value Fund 0% % Growth and Income Fund 0% % S&P 500 Index Fund 0% % Large Cap Growth Index Fund 0% % Large Cap Growth Fund 0% % Mid Cap Value Fund 0% % Mid Cap Growth Fund 0% % Small Cap Index Fund 0% % Small Cap Core Fund 0% % Small Cap Blend Fund 0% % International Large Cap Value Fund 0% % International Large Cap Index Fund 0% % International Large Cap Core Fund 0% % International Small Cap Fund 0% % JPMorgan Chase Common Stock Fund 0% % Moderately Conservative Portfolio 0% % Moderately Aggressive Portfolio 0% % Aggressive Portfolio 0% %

Which is the best investment option my 401K offers? I am 33 years old looking for investment advice. Ideal retirement age is 60. Currently have 25K in my 401 between 7 different funds. Retirement calculator indicates I will need 2 million dollars at age 60 to replace 80% of my income. Below are my companies investment options. Any suggestion is appreciated. Thanks. EB Diversified Stock Fund Vanguard Inst Index Fd (Inst Plus) Wells Fargo Advan Agg Alloc (Admin) Fidelity Small Company Fund Vanguard Mid-Cap Index Fund Instl Vanguard Small-Cap Index Fund Instl Wellington Mid-Cap Opportunities 2 EuroPacific Growth Fund Class R-5 Wells Fargo Advan Grow Bal (Admin) Dodge & Cox Income Fund Wells Fargo Advan Con Alloc (Admin) With regards to the fund manager, I work for an insurance company, but login through Wachovia to mange my allocations, review balances, etc. My current allocation model is 30% Europacific, 30% Vangaurd mid cap, 30% Vangaurd small-cap, 10% dodge&cox income.

What percentage for 4 of the Investments below would help my 401k grow quicker, must equal 100%? Stock Investments Company Stock * IMATION STOCK FUND Large Cap * FID DIVIDEND GROWTH * FID EQUITY INCOME FID GROWTH COMPANY FID US EQ INDEX POOL Mid-Cap UM BEHAVIORAL GRTH I Small Cap WFA SM CO VALUE ADM International * HARBOR INTERNATIONAL Blended Fund Investments* FID PURITAN Currently I have the following investments which isn't making much: COMPANY STOCK IMATION STOCK FUND 25% LARGE CAP FID DIVIDEND GROWTH 25% FID EQUITY INCOME 25% INTERNATIONAL HARBOR INTERNATIONAL 25% These are also the only options my employer allows me to choose from.

I'm trying to invest in my 401K... I'm not sure what I'm doing please help? I'm 20 years old and I'll admit I have no idea what any of this stuff means. All I know is that people have 401Ks and its a good thing. I have like 14 options to choose from to invest in I guess. I really have no idea about any of this stuff. I tried to search online the benefits of a 401K and the only thing I can find is that its good because you don't have to pay taxes.. I don't understand tho.. Do I loose money if I invest in it? How do I know what is safe and what is not? These are the choices I have: Victory Prime Obligations American Funds Fundamental Invest R2 AllianceBernstein Global Real Est Invt R Victory Diversified Stock R Columbia Mid Cap Value Fund Drden Stock Index Fund Class C Columbia Small Cap Value II R Eaton Vance Large Cap Value Fund R ALLIANZ CCM Mid Cap Oppenheimer Capital Appreciation Fund C Columbia Marsico 21st Century American Funds EuroPacific Growth R2 American Funds Cap Income Builder R2 American Funds Bond Fund of Amer R2 really I feel like I'm learning another language I have no idea what all this means... also if i want to contribute a certain percentage is it a percentage of each pay check or of my entire yearly income? I would talk to HR, but I should have mentioned that my company is super super small (only 35 people) so we dont have an HR. Just like a secretary lady and she isnt very nice...

What should I do with the free cash I have? I plan on investing it. Should I invest it in gold mining stocks, S&P small, mid, or large cap indexes, or something else? I don't plan on needing the money for years, I'm 29 years old.

How Should I allocate my 401K from these choices:? DWS Stable Value Trust - Institutional Shares Dodge & Cox Income Fund DWS Core Fixed Income Fund - Institutional Class DWS LifeCompass Retirement Fund - Class S DWS LifeCompass 2015 Fund - Class S Dodge & Cox Balanced Fund DWS LifeCompass 2020 Fund - Class S Baron Growth Fund DWS LifeCompass 2030 Fund - Class S Victory Special Value Fund - Class A DWS LifeCompass 2040 Fund - Class S Dodge & Cox Stock Fund PIMCO StocksPLUS Fund - Institutional Class DWS Stock Index Trust Loomis Sayles Small Cap Value Fund - Retail Class American Century Global Growth Fund - Investor Class Baron Asset Fund DWS International Select Equity Fund - Institutional Class American FundsSM The Growth Fund of America® - Class R3 Wells Fargo Advantage Mid Cap Disciplined Fund- Investor Class DWS Micro Cap Fund - Institutional Class Baron iOpportunity Fund Not knowing what I was doing when I started the plan, I put 100% in Dodge & Cox Balanced Fund. I'm 28. Thanks.

Help!! I am 30 years old and am about 2 start contributing in my company's 401K but I am lost? These are the contributions given 2 me what will be my best chooses and and what percentage should I select? Stabe Asset Return Fund Intermediate Bond Fund Balanced Fund Larg-Cap Grouth Equity Fund Larg-Cap Value Equity Fund Index Equity Fund Mid-Cap value Equity Fund Small-Cap Equity Fund International Equity Fund Lifetime Income Retirement Date Fund 2010 Ret. Date Fund 2020 Ret Date Fund 2030 Ret. Date Fund 2040 Ret. Date Fund Structured Portfolio-Cons Structured Portfolio- Mod Structured Portfolio- Aggr And wich of these would be considered Mid-Stock, Small Stock Thanks for any ones help

Just started working and need some advice with my 401k? I'm 25 and I need some 401k advice cuz I'm so new at this. My company offer a 401k plan through Fidelity FID FRDM INDX 2045 K. The company is matching my contribution $ per $ up to 4% of my salary plus an additional 4% retirement fund. Is that a good benefit offer? And is Bond/Stable Value Inv Stable Value FIXED INCOME FUND the safest place for my money? My current setting is 80% in stock market (FID FRDM INDX 2045 K) and 20% in Bond/Stable Value Inv Stable Value FIXED INCOME FUND. Also how at my age, should I invest some in bonds? Blended Investments -- FID FRDM INDX 2000 K Blended Investments -- FID FRDM INDX 2005 K Blended Investments -- FID FRDM INDX 2010 K Blended Investments -- FID FRDM INDX 2015 K Blended Investments -- FID FRDM INDX 2020 K Blended Investments -- FID FRDM INDX 2025 K Blended Investments -- FID FRDM INDX 2030 K Blended Investments -- FID FRDM INDX 2035 K Blended Investments -- FID FRDM INDX 2040 K Blended Investments -- FID FRDM INDX 2045 K Blended Investments -- FID FRDM INDX 2050 K Blended Investments -- FID FRDM INDX INC K Bond/Stable Value Inv Stable Value FIXED INCOME FUND Bond/Stable Value Inv Income PIMCO TOTAL RETURN P Bond/Stable Value Inv Income VANG TOT BD MKT INV Short-Term Investments -- VANG PRIME MM INST Stock Investments Large Cap FID GROWTH CO K Stock Investments Large Cap SPTN TOTAL MKT INDEX Stock Investments Large Cap VANG CAPITAL VAL INV Stock Investments Mid-Cap FID LOW PRICED STK K Stock Investments Small Cap ROYCE LOW PR STK IS Stock Investments International AF EUROPAC GROWTH R5 Stock Investments International DODGE & COX INTL STK Stock Investments International SPARTAN INTL INDEX Stock Investments Specialty FID REAL ESTATE INVS

For the experts, how's this looking for Vanguard Index portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. Can I get your thoughts on this portfolio? Thanks in advance!! :) I've also added $5000 to my Roth IRA account at Vanguard for the Target Retirement 2050 Fund. Thank you.

For the experts, how's this looking for a Vanguard index fund portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. I've also added $5300 to Vanguard's Target 2050 Retirement Fund. Can I get your thoughts on this portfolio? Thanks in advance!! :)

For the experts, how's this looking for a Vanguard Index portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. Can I get your thoughts on this portfolio? Thanks in advance!! :) I've also added $5000 to my Roth IRA account at Vanguard for the Target Retirement 2050 Fund. Thank you.

whats the best bet for long term investing for a 22 yr old? im offered these:? i already have a 401k with work thats doin awesome!! so my credit union has investments id like to take advantage of, heres what they offer: what should i choose? Search funds by: Name Type Aggressive Growth Fund Balanced Strategy Fund Capital Growth Fund Cornerstone Strategy Fund Emerging Markets Fund Extended Market Index Fund First Start Growth Fund GNMA Trust Growth & Income Fund Growth Fund Growth and Tax Strategy Fund High-Yield Opportunities Fund Income Fund Income Stock Fund Intermediate-Term Bond Fund International Fund Money Market Fund Nasdaq-100 Index Fund Precious Metals and Minerals Fund S&P 500 Index Fund Member Shares 1 Reward Shares automatic if you qualify. Science & Technology Fund Short-Term Bond Fund Small Cap Stock Fund Tax Exempt Intermediate-Term Fund Tax Exempt Long-Term Fund Tax Exempt Money Market Fund Tax Exempt Short-Term Fund Total Return Strategy Fund Treasury Money Market Trust Value Fund World Growth Fund and im fine with spreading it around in safe-aggressive.

How should I allocate my 401(k)? I want to start investing in my company's 401(k), but am lost as to how I should allocate. I'm 24 and just want to be smart about it! I work for Darden Restaurants, so could also buy company stock at a 15% discount (that's the ESOP fund below). They have Target Retirement funds, but I thought I could earn a better return allocating myself. I have these funds to chose from: Davis New York Venture Fund (A) Harbor Capital Appreciation (Instl) Vanguard Target Retirement 2035 Vanguard Target Retirement 2045 Vanguard Strategic Equity (Invstor) EuroPacific Growth Fund (Class A) Vanguard Target Retirement Income Vanguard Target Retirement 2005 Vanguard Target Retirement 2015 Vanguard Target Retirement 2025 Vanguard Total Bond Market Index Vanguard Extended Market / INV Vanguard Total Intl Stock Index Inv Vanguard Institutional Index Fund Aston/Tamro Small Cap/I RVST Stable Capital Fund II Darden Company Stock Fund PIMCO Total Return Fund (Inst) Darden ESOP Stock Fund Someone help! :)

What is your school of thought for investing? Currently, I am reading two books on investing of opposite strategies. On one hand, I am reading Jim Cramer's Real Money book where he believes the market is not 100% efficient and there is money to be made that beats the indexes by a decent return. Year after year, these are found in the small cap, less discussed stocks. On the other hand, I am reading "A Random Walk Down Wallstreet," which discusses investing behavior and how people through the centuries have been burnt by "castles in the sky." This book recommends value investing the Warren Buffet way in ETF's, etc. Warren Buffet said in his 2005 letter (paraphrased), "Investors have had a string of good returns but have learned any number multiplied by zero equals zero." Basically, I am just looking for some conversation on which school of thought you believe in and why. Thanks in advance and I apologize for any spelling/grammar errors. Ed, what would I do without you.

Ultimate Vanguard portfolio buy and hold? I'm 30 and working on getting my IRA to look like this 100% stocks (50%Domestic / 50% International - rebalancing once or twice a year) then adding Bonds to it when I'm 45 and slowly get more conservative. Need a second opinion on these portfolio picks. I was also thinking maybe equalizing all of them at 12.5% straight through. What do you guys think? Plan A: VANGUARD EQUITY 10% Vanguard 500 Index (VFINX) LCB 10% Vanguard Value Index (VIVAX) LCV 10% Vanguard Small Cap Index (NAESX) SCB 10% Vanguard Small Cap Value Index (VISVX) SCV 10% Vanguard REIT Index (VGSIX) REIT 20% Vanguard Developed Markets Index (VDMIX) Int'l LCB 20% Vanguard Int'l Value (VTRIX) Int'l LCV 10% Vanguard Emerging Market Index (VEIEX) EM or Plan B: VANGUARD EQUITY 12.5% Vanguard 500 Index (VFINX) LCB 12.5% Vanguard Value Index (VIVAX) LCV 12.5% Vanguard Small Cap Index (NAESX) SCB 12.5% Vanguard Small Cap Value Index (VISVX) SCV 12.5% Vanguard REIT Index (VGSIX) REIT 12.5% Vanguard Developed Markets Index (VDMIX) Int'l LCB 12.5% Vanguard Int'l Value (VTRIX) Int'l LCV 12.5% Vanguard Emerging Market Index (VEIEX) EM

For the experts, how's this looking for a Vanguard index fund portfolio? Hi everyone, I'm 25 and realized how important it is to start investing at a young age...I've heard good things about Vanguard Index funds due to their low costs...I've decided to put my money in the following funds and ETFs accordingly and adding little every month (I have a Vanguard account to avoid commission fees). VTSMX (Total Stock Market): $3000 - I picked this one over the big VFINX because this one has more diversification (3500 stocks vs 500) plus already has the 500 stocks VFINX has. Same expense at 0.15%. VGTSX (Total International Stock): $3000 Expense 0.27% NAESX (Small-Cap): $3000 Expense 0.22% VGSIX (Real estate investment trusts): $3000 Expense 0.20% ETFS Materials (VAW) $1000 Expense 0.22% Emerging Markets (VWO) $1000 Expense 0.25% Utilities (VPU) $1000 Expense 0.22% Energy (VDE) $1000 Expense 0.22% Some of the ETF related Index funds (i.e. emerging markets) have purchase fees of $750 and for the ETF it's free so I went this way. I think this is pretty diversified. Also, I will be investing some in individual stocks but only after I have mastered the art of individual stock investing. For now, index funds are the best way to go. I've also added $5300 to Vanguard's Target 2050 Retirement Fund. Can I get your thoughts on this portfolio? Thanks in advance!! :)

I need help with my 401k can you help? Can anyone tell me which ones are doing good right now out of my list. *Stable Value *Vanguard Total Bond Market Index Fund *PIMCO Total Return *Vanguard Balanced Index Fund *Dodge and Cox Balanced *LifePath Index Retirement 1 *LifePath Index 2010 *LifePath Index 2020 *LifePath Index 2030 *LifePath Index 2040 *Dodge and Cox Stock *Vanguard Institutional Index *Vanguard PRIMECAP *Vanguard Total Stock Market Index *Vanguard Strategic Equity *Laudus Rosenberg US Small Cap *Fidelity Spartan International Index *American Funds EuroPacific Growth Fund

On this list do you have any idea how i should allocate my 401K funds? Right now i have it set for 50% Jennison Value A and 50% Security Mid Cap A. I've been getting good returns, but would you recommend something else. If you don't feel like looking through all the investments below, than could you just give me some advice on how i should set it up. Thanks. ABN AMRO Income Plus AIM Capital Development AIM Developing Markets AIM Small Cap Growth American Century Equity Growth American Century Intl Bond Aston/Optimum Mid Cap Aston/TAMRO Small Cap Baron Asset Baron Small Cap Dreyfus Premier Strat Value Dreyfus Premier Struct Midcap Dreyfus S&P 500 Stock Index Federated Bond Fidelity Advisor Dvsfd Intl Fidelity Advisor Real Estate Janus Adv Growth and Income Janus Adv Intl Growth Jennison 20/20 Focus Jennison Natural Resources Jennison Value Legg Mason Global HY Bond Marsico Growth Neuberger Berman Socially Resp PIMCO Real Return PIMCO Total Return Royce Value RS Technology RS Partners RS Value Security Mid Cap Value TRP Global Stock TRP Growth Stock TRP Intl Growth & Income TRP Retirement 2010 TRP Retirement 2020 TRP Retirement 2030 TRP Retirement 2040 TRP Retirement 2050 TRP Retirement Income Van Kampen Comstock Van Kampen Equity and Income Wells Fargo Advtg SmCp Value

Are these good investment choices for 401(k)? HI, My company has a 401(k) with Fidelity, and quite honestly, I have no idea what I am doing in terms of selecting what to invest in. Last year, I contributed around 5,000 and lost around 1,600 dollars because of the market, which was to be expected. My question is, I just randomly picked these choices to invest in...is there a better strategy I could be using? Should I invest more in bonds then stocks? Should I just put it all into a fund that manages it for you with a goal of retiring at a certain age/year? Here are my investments currently: Investment Option Stock Investments LARGE CAP FID BLUE CHIP GROWTH 25% MID-CAP SPTN EXTND MKT INDEX 15% SMALL CAP NB GENESIS - INST CL 15% INTERNATIONAL AF EUROPAC GRTH R4 15% Blended Fund Investments FID FREEDOM 2035 30% Total 100%

Where should I put my 401K money? Just Starting out in my 401K and wanted some opinions. Options are: Asset Allocation: Age Based Target 2015 Allocation 9.519 Target 2025 Allocation 9.440 Target 2035 Allocation 9.402 Target 2045 Allocation 9.385 Asset Allocation: Risk-based AXA Moderate Allocation 9.690 AXA Aggressive Allocation 9.454 AXA Conservative-Plus Allocation 9.743 AXA Moderate-Plus Allocation 9.579 Investment Grade Bonds EQ/JPMorgan Core Bond 9.913 High Yield Bond Multimanager High Yield 9.992 Large Cap Growth EQ/T. Rowe Price Growth Stock 9.965 EQ/Large Cap Growth PLUS 9.778 Large Cap Blend EQ/Davis New York Venture 9.336 EQ/Equity 500 Index 9.384 Large Cap Value EQ/JPMorgan Value Opportunities 9.066 EQ/AllianceBernstein Value 8.971 Mid Cap Growth EQ/Van Kampen Mid Cap Growth 10.043 Mid Cap Blend EQ/FI Mid Cap 10.247 Mid Cap Value EQ/Lord Abbett Mid Cap Value 9.626 EQ/Mid Cap Value PLUS 9.479 Small Cap Blend EQ/Small Company Index 9.879 Others, but ran out of room. Thanks

How to invest on my 401k? I just got a decent job and my company offers 401k. The problem is I have no clue where to invest the money. Below is a list of stock options that my company (GE) offers. If someone could please just guide me a little I would kindly appreciate it. Strategic Fund ( GSIVX ) Short-Term Fund GE Stock ( GE ) Mutual Fund ( GESSX ) Index Fund ( VIIIX ) Money Market Income Fund ( GESLX ) International Fund ( GIEIX ) Small Cap Equity Fund ( GSVIX )

investment plans?!? Ok so I need to divide up 7.5% of my income into investment funds... but I have no idea what any of this stuff means! (I just barely passed economics!) ok so here it is...what presentage should I put where? Stable Value Fund -TFLIC guarunteed pooled fund Stock Funds -diversified value fund -diver. stock index fund -diver. growth & income fund -diver. equity growth fund -diver. mid cap value fund -diver. mid cap growth fund -diver. small cap value fund -diver small cap growth fund -diver. intl. equity fund Multi-Asset Funds -diver. short strategic allocation fund -diver. short/inter strat. allocation fund -diver. intermid. strat. allo. fund -diver. inter/lond strat. allo. fund -diver long strat. allo. fund Bond Funds -diver. total return bond fund -diver. high yield allo. fund Even just knowing the differences between the 4 types of funds would be helpful..... but anything really would be awesome :) thanks so much

Does one large blend fund make more sense than mixing a large growth and a large value fund? I read recently that only 6% of all U.S. stocks are considered "large-cap". Since there are so few large-cap stocks compared to small and mid caps, and since there seems to be a lot of overlap between even large value and large growth funds, does it make more sense to just have one big chunk of change in a cheap S&P 500 index fund rather than two smaller chunks in separate growth and value funds? This pertains to a 401k, by the way.

Where should I move my 401K to yeild the highest gain of the $700B bailout plan goes through? I think it's going to happen. Here are my options: Thanks!!! AMER. EUROPACIFIC GROWTH R4 ARIEL APPRECIATION FUND EQUITY INCOME FUND EQUITY INDEX TRUST GROWTH STOCK FUND MID-CAP GROWTH FUND MID-CAP VALUE FUND PENNSYLVANIA MUTUAL FUND PIMCO TOTAL RETURN ADMIN RETIREMENT 2005 FUND RETIREMENT 2010 FUND RETIREMENT 2015 FUND RETIREMENT 2020 FUND RETIREMENT 2025 FUND RETIREMENT 2030 FUND RETIREMENT 2035 FUND RETIREMENT 2040 FUND RETIREMENT 2045 FUND RETIREMENT 2050 FUND RETIREMENT 2055 FUND RETIREMENT INCOME FUND SMALL-CAP VALUE FUND STABLE VALUE COMMON TRUST FUND VANGUARD EXPLORER, ADM

Best investment? Which would be the best investments: SSgA PAR Fund SSgA LB Bond Index Fund MetWest Total Return Fund SSgA Conservative Fund SSgA Moderate Fund SSgA Aggressive Fund SSgA S&P 500 Index Fund Dodge & Cox Stock Fund Prudential Jennison Equity Legg Mason Artisan Mid Cap Fund SSgA Russell 2000 Index Wells Fargo Advtg Small Cap Aim Small Cap Growth Morgan Stanley International

Investing into my 401K? I can only invest 3% for now and my company matches 100%. Below is a list of options that my company gives on my 401K. Any guidance is kindly appreciated. SSgA PAR Fund SSgA LB Bond Index Fund MetWest Total Return Fund SSgA Conservative Fund SSgA Moderate Fund SSgA Aggressive Fund SSgA S&P 500 Index Fund Dodge & Cox Stock Fund Prudential Jennison Equity Legg Mason Artisan Mid Cap Fund SSgA Russell 2000 Index Wells Fargo Advtg Small Cap Aim Small Cap Growth Morgan Stanley International