DISQUS

mstein_88 · 2 years ago

Flexo,
Stay aggressive. I'm up 16% YTD in my 401k and am in 100% stocks. My small cap and international funds have been fanatastic, but everything's pretty hot right now. Who knows how long it'll last but -- as you said -- you're in it for the long term so can handle the fluctuations.

Brian · 2 years ago

I'm doing 85% stocks for the moment. As you and the other commenter said, I still have a long way to go before drawing the money, so I can handle the fluctuations.

That being said, I've been tempted to switch the international exposure in my portfolio to domestic stocks. I just can't see how they can continue their current growth for much longer.

Lazy Man and Money · 2 years ago

Yep, stay aggressive, you're too young to really think conservatively.

However, if you find it fun to try to time the market (and if it gets it out of your system), perhaps you could occassionally take 1% out of in each fund and put it into a bond. When you think things seem favorable put that 5-10% back in play. It probably won't make a huge difference on your bottom line, but it's better than doing it with large sums.