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50% of the fund into target 2055 fund and 50% into the Rowe price growth large cap. All roth 401k.
For me SPY is fine but I prefer VTI. Remember though, and this is important. The money flowing into these ETFs is paying no attention to valuation. There is no buying cheap or low you're buying everything and about a third of your money's is going into six or seven stocks.
Only people 'working for da man' have 401Ks. Wealthy people have SEPs.
Do you know why good financial advisors avoid placing clients in indices?
There are, even though relatively small, fees in indices. There are fees in 401K plans.
A financial advisor shuffle allocation and rebalance in order to beat indices or place clients in mutual funds and hope fund managers beat indices.
voo / voog
index funds outperform actively managed funds net of fees over the long term, every time
Good luck with that. Check out any/all SPIVA reports.
Split between DJT & TSLA
😂
Assume this is a joke, but you never know in these parts. Check back in 6 months to see just how well you could have done shorting these, if shorting DJT ever becomes possible.
1) The marketing department's efforts at Vanguard appear to have earned their money.
2) If what you are saying were true, why hasn't their been a class action law suit putting mutual fund companies out of business?
3) Invest in indices inside a 401K, you are guaranteed to under perform S&P 500 due to 401K management fees, some do not have to be disclosed to participating employees.
tax deferred 401ks and most companies offer some type of matching. Two big advantages. But also agree max out you Roth IRA contributions also and get the best of both worlds. My company matched first 6% of 401k contributions dollar for dollar. Helped me reach a comfortable retirement amount.