Your 401k Allocations.

[kingOFchester]

Interested to hear what others have elected for their 401k contribution.

Currently funding ROTH401k
S&P 500 EQUITY INDEX FUND Large Cap Stock - Blend 20%
S&P 400 MIDCAP INDEX FUND Mid Cap Stock - Blend 20%
RUSSELL 2000 INDEX FUND Small Cap Stock - Blend 20%
INTERNATIONAL INDEX FUND International Stock - Blend 10%
BRIGHT HORIZON 2035 FUND Other - Lifecycle 30%

I also have IRA's and mostly mixed with Index funds as well.

 

[IVE GOTTA PACKAGE 4U]

One investment may not represent everyone

 

[kingOFchester]

One investment may not represent everyone

Of course. Just curious how others have set up their 401k since I believe we all have the same choices. Other investments not really part of the topic

 

[rod]

Buried my gold in coffee cans in the back yard.

 

[IVE GOTTA PACKAGE 4U]

Of course. Just curious how others have set up their 401k since I believe we all have the same choices. Other investments not really part of the topic

I have my pre-tax in the 401k
And my ROTH elsewhere

 

[UpstateNYUPSer(Ret)]

Are the idiots gone?

15% contribution.

50% in the S&P 400.

50% in the Russell 2000.

60% of total balance in SMA (735 shares of Apple)

Roth IRA with Edward Jones.

 

[kingOFchester]

I have my pre-tax in the 401k
And my ROTH elsewhere

Fascinating.

 

[Wally]

I spend it all, save nothing.

 

[IVE GOTTA PACKAGE 4U]

Fascinating.

More choices

 

[kingOFchester]

Are the idiots gone?

15% contribution.

50% in the S&P 400.

50% in the Russell 2000.

60% of total balance in SMA (735 shares of Apple)

Roth IRA with Edward Jones.

Interesting. Any desire to trim back on Apple? I am an apple fan, but not sure about their growth.....all tho i said that at $50 a SHARE $75 A SHARE........

Am I reading correctly that 60% of your retirement savings is in APPLE or just 60% of your SMA?

 

[IVE GOTTA PACKAGE 4U]

Interesting. Any desire to trim back on Apple? I am an apple fan, but not sure about their growth.....all tho i said that at $50 a SHARE $75 A SHARE........

Their last quarter was bad.

 

[UpstateNYUPSer(Ret)]

Interesting. Any desire to trim back on Apple? I am an apple fan, but not sure about their growth.....all tho i said that at $50 a SHARE $75 A SHARE........

$500 in dividends each quarter.
I am meeting with my EJ guy in July. I am curious as to what his plan is in regard to both Apple and my rollover.

Last time I saw him he said to keep doing what I am doing.

 

[Matty_lawn]

Mine is pretty close to OP's. I put 35 percent a week and it has been adding up quick

 

[UpstateNYUPSer(Ret)]

Mine is pretty close to OP's. I put 35 percent a week and it has been adding up quick

To be fair, you have your side business and are working here primarily for the benefits.

 

[Matty_lawn]

To be fair, you have your side business and are working here primarily for the benefits.

Right, so 35 percent isn't exactly a boat load of money when youre on a first year preloader salary but saving is fun

 

[Matty_lawn]

To be fair, you have your side business and are working here primarily for the benefits.

Also, my "side business" is my well being. UPS is my side business.

 

[UpstateNYUPSer(Ret)]

Also, my "side business" is my well being. UPS is my side business.

...and if you had to buy benefits on the exchange...?

 

[Matty_lawn]

...and if you had to buy benefits on the exchange...?

Then I would have another side business

 

[Jkloc420]

Right, so 35 percent isn't exactly a boat load of money when youre on a first year preloader salary but saving is fun

dont let him fool you, 35 percent is very good

 

[UpstateNYUPSer(Ret)]

dont let him fool you, 35 percent is very good

I never said that it wasn't; however, if not for his side business, there is no way a PTer puts away 1/3 of his/her check.