Hi There,

My 401K balance has been dropping down and i have lost almost 8% in three months,
Can somebody give me some advise on how to allocate my investment. Should i put
all my money into cash ( and bonds) to avoid risk until economy gets better ?
i still have 10 more years to retire.

RickJ

1. Everything depends on your age and how aggressive you are willing to be.
2. In general, judgments should not be made on 3 months of activity.

How did you decide on the investments that you're currently invested in?

caola

Rick,
I will retire in 10 years ( by 64 ) and i prefer to be not very aggressive,nor very conservative. i put 15% in cash, 15% in bond,others in stock.

RickJ

Good for cash and bonds. Stocks can range from very aggressive to super conservative.

Even at 10 years from retirement I still stick with "don't judge on 3 months worth".

For your retirement target I suggest fairly (but not fully) conservative investing.

Are the stocks individual - or are they in mutual fund groups? Post what stocks or fund groups you're in... I'd think some here can give better opinions based on that.

caola

my current investment elections are:
AF EuroPac Growth -R4 25%
AF Growth Fund of AM-R4 10%
ACI Large Co Value-Inst 15%
Liverstrong 2025 Inst 10%
SSgA MSCI EAFE Ind - C 10%
Cash/Bond 30%

Can some experts give me better options than above ?