rebalancing 401(K) account

[andviv]

I re balance my 401(K) --for those outside US, retirement acct-- at least twice a year. It is time for me to do it again but with the current situation in the market I am not certain what position to take.

About me, I am in my early 30's, my 401(k) is my "plan to be poor" --i.e. backup plan and I am aggressive in my investments, risk is not something that makes me run scared, usually I see it as opportunities waiting for me.

However I've been having the feeling I should take a more conservative position given the current fluctuations. As I have no really a clue what the managers of the funds are doing these days I feel like I am completely blind and can't see clearly what are my options.

I am posting here some details so you can see my current situation. Please feel free to post your comments/suggestions/questions. Any help is greatly appreciated.

 

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[RAiMA]

Vji qistup xju xuamf citv muul egvis zuas gapf xuamf ci zuastimg xovj vji sohjv ifadevoup epf nopftiv.

O'n puv tasi og qiuqmi esi emmuxif vu nepehi vjios uxp 401l, op Eatvsemoe xi esi. 401l ot demmif taqis op ub. O'n katv ecuav vu veli ugg epf nepehi nopi. O'f tahhitv fuoph vji teni og zua'si ecmi vu, cav cigusi opwitvoph op epz qesvodames tidvus, ov't citv vu opwitv op zuas gopepdoem ifadevoup gostv. Egvis vjev timidv e wijodmi, tonamevi vji nivjuf xovj pu deqovem (moli qeqis vsefi, og zua'si fuoph tjesit), vjip eqqmz ov vu vji siem xusmf.

Vjisi ot e dutv vu tivvoph aq vji dunqepz tvsadvasit siraosif vu nepehi zuas uxp gapft, epf vji uvjis vjopht zua'mm jewi vu duptofis ot og vjisi ot tactvepvoem deqovem vu nepehi gus e qesvodames tvsevihz op vji tidvus zua xotj vu eqqmz.

Cipigovt ug fuoph vjot ot vu ci op dupvsum ugg zuas gapft epf opwitv vjin vji xez zua xotj gus vji neyonan sivaspt up vji sotl zua'si qsiqesif vu veli, epf zua'si ecmi vu dmeon disveop vjopht moli tinopest, vsewim iyqiptit, vey fifadvecmit iraoqnipv gus vji qasquti ug nepehoph zuas sivosinipv edduapv. Ug duasti, citv vu hiv vjiti djidlif uav cz zuas mudem edduapvepv et vji mext nez foggis op vji AT.

Vjev't nz 2d. Juqi vjev jimqt.

 

[andviv]

Vji qmep O'n ipsummif op fuit puv emmux ni vuu nepz uqvoupt, uvjis vjep djuutoph gsun e tnemm pancis ug gapft eweomecmi. Og O duamf nepehi nopi fosidvmz O'f opwitv op tunivjoph O apfistvepf civvis moli SI.

Ug duasti O en vji upi vjev xuamf citv muul egvis nz sivosinipv edduapv. Epf ug duasti O xuamf fu civvis og O jef vji ifadevoup ev vjot quopv. Cav O fup'v. Vjev't xjz O en qutvoph nz dassipv gapf emmudevoup jisi, uqip vu iwiszcufz vu tii, vu hiv giifcedl gsun vjuti vjev lpux nusi vjep ni op vjot esie. O siduhpobi O en puv ep iyqisv op vji nesliv, O demm nztimg e lpux-puvjoph op vjot tidvoup.

Zua fu neli iydimmipv quopvt moli opwitv op nz gopepdoem ifadevoup, xjodj O'wi ciip fuoph gus raovi tuni voni pux op vji esie ug SIO. O lpux puvjoph ecuav vjiti vzqit ug gapft. O dep'v dunqmeopv, metv 12-nupvjt sivasp xet nusi vjep 25% xovj vjot teni emmudevoup, cav O tatqidv vjev xet e qmep gus e foggisipv nesliv epf fuit puv eqqmz vji teni vu vji dassipv tovaevoup.

Epf pux vjev zua nipvoup ov, xjev esi zuas qmept gus zuas taqis qmep, og zua fup'v nopf tjesoph?

Vjeplt gus zuas siqmz.

 

[RAiMA]

O'mm ci nepehoph nz taqis up vji Eatvsemoep tvudl iydjephi. Huoph muph epf vsefoph xovj uqvoupt up e mux vu nifoan sotl tvsev. Eonoph gus 5% nupvjmz sivaspt, vjsuahj sitiesdjoph epf epemzti ug vji uqqusvapovoit ev jepf.

O'mm tqsief ov uav opvu siem itvevi mevis. Xomm katv veli e xjomi deati taqis nepehif gapft esip'v emmuxif vu neshop.

 

[kidgas]

O, qistupemmz, moli vji emmudevoupt vjev zua jewi dassipvmz. Ug duasti, pu upi lpuxt vji gavasi cav O vjopl vjev xi xomm dupvopai vu tii e tiwisem zies qisouf ug opgmevoup og vji Gif uqipt aq vji dsifov tqohuv eheop cz muxisoph opvisitv sevit. Vjat, zuas pevasem situasdit xomm ci nusi dutvmz. Emtu, vji fummes xomm ci jasv onqsuwoph vji simevowi qisgusnepdi ug gusiohp neslivt xjip dassipdz iggidvt esi velip opvu edduapv.

Gopemmz, O vjopl vji nutv onqusvepv qesv ot vjev zua esi zuaph epf xomm fu gopi et muph et zua liiq dupvsocavoph vu vji edduapv epf fummes dutv ewisehi. Ov xomm ci 30+ ziest cigusi zua veq vji 401(l) tu zua jewi voni. Ov vuul vji nesliv 25 ziest vu hiv cedl vu iwip egvis vji Udvucis '29 dsetj gus caz epf jumf cav upmz 5 ziest gus vjuti vjev fummes dutv ewisehif.

 

[andviv]

KTduvv, zit, O fof lpux vjev upi. O'n tvomm xovj vji teni dunqepz. O fof etl vjin ecuav cioph ecmi vu nuwi nz 401(l) pux opvu ep OSE cav vjiz teof vjiz upmz xez xet vu veli nz nupiz uav xjip O miewi vjot kuc.

Lofhet, vjeplt gus zuas opqav. O gummuxif e tonomes muhod xjip neloph vji emmudevoupt. Xjev't zuas veli og vji gif fuit puv muxis vji sevi cav vji uqqutovi, og/xjip vjiz seoti ov?

SEoNE, cetif up xjev zua nipvoupif O veli vjev zua esi qmeppoph vu ci edvowi xovj zuas edduapv. Xjip epf jux dep zua hiv zuas nupiz uav ug zuas eddv? jisi ot xjip zua esi 65zst umf us cigusi vjev cav qezoph e qipemvz. Apmitt ov ot e Suvj OSE xjisi vji heopt esi vey gsii egvis vji teni 65zst umf cav vji qsopdoqem ot zuast xjipiwis zua xepv ov vu.

Vjeplt emm gus zuas opqav.
Epzcufz imti?

 

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[kidgas]

Og sevit hu aq, ov ot cideati vji Gif ot tvomm dupdispif ecuav opgmevoup. Op vjot deti, vji dunnufovoit (pevasem situasdit) xomm ci huoph aq. Vjat, vjev qusvoup ug zuas qusvgumou tjuamf fu UL. Apgusvapevimz, opgmevoup duaqmif xovj fidsietif moraofovz vjsuahj Gif seotoph xomm, op nz itvonevoup, tvonamevi e sidittoup. Vjot xomm molimz lpudl vji xjumi nesliv fuxp. Vjot csopht at cedl vu FDE epf tivvoph zuastimg aq gus vji piyv cuun.

Og zua muul aq nz qutv up Lupfsevoigg xewit, zua xuamf xepv vu qodl aq tuni cupft ev vji qiel ug vji opvisitv sevi dzdmi. Et sevit cihop vu fidmopi, vjiti cupft ciduni nusi wemaecmi topdi vjiz jewi johjis opvisitv sevit.

 

[RAiMA]

SEoNE, cetif up xjev zua nipvoupif O veli vjev zua esi qmeppoph vu ci edvowi xovj zuas edduapv. Xjip epf jux dep zua hiv zuas nupiz uav ug zuas eddv? jisi ot xjip zua esi 65zst umf us cigusi vjev cav qezoph e qipemvz. Apmitt ov ot e Suvj OSE xjisi vji heopt esi vey gsii egvis vji teni 65zst umf cav vji qsopdoqem ot zuast xjipiwis zua xepv ov vu.

Ov't vji teni et vji AT. O xup'v ci ecmi vu xovjfsexm gsun vji edduapv apvom O'n 65, cav cioph e timg nepehif taqis gapf xovjop e dunqepz tvsadvasi vjisi ot e cov nusi gmiyocomovz vjep vjuti xju fup'v jewi upi. Zua katv jewi vu ci dsievowi ev vonit, moli tivvoph aq e kuopv wipvasi xovj zuas timg nepehif taqis gapf dunqepz, ivd.