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Question about our 401k options....
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<blockquote data-quote="mountaingoat" data-source="post: 369986" data-attributes="member: 1250"><p>I'm not a CFP, but from what you posted, it appears that you're on the right track. Based on your time horizon (25 years until you plan to cash out), keeping it 90% or more in equities is a sound strategy. It would have to tank for the next 25 years for it not to rebound. I have 14 years, and I'm 100% in equities. </p><p></p><p>When you get about 10 years away, start slowly putting your investment into bonds. Maybe do 5% a year for the first five years, and then 10% a year after that. That should leave you with 75% in bonds and 25% in equities. You'll need the higher returns in equities to offset inflation in retirement.</p><p></p><p>Good luck.</p></blockquote><p></p>
[QUOTE="mountaingoat, post: 369986, member: 1250"] I'm not a CFP, but from what you posted, it appears that you're on the right track. Based on your time horizon (25 years until you plan to cash out), keeping it 90% or more in equities is a sound strategy. It would have to tank for the next 25 years for it not to rebound. I have 14 years, and I'm 100% in equities. When you get about 10 years away, start slowly putting your investment into bonds. Maybe do 5% a year for the first five years, and then 10% a year after that. That should leave you with 75% in bonds and 25% in equities. You'll need the higher returns in equities to offset inflation in retirement. Good luck. [/QUOTE]
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