What’s a good 401K allocation mix for these current times for a 45 year old person?

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401k
Emily Dew asked:

We recently got a new 401K and need to decide our allocation mix between large caps, foreign and bonds. Not sure if I should take the current economic situation into consideration or just stay the course. Thanks!


Question posted courtesy of: Bill
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    • This entry was posted on Monday, July 7th, 2008 at 11:50 pm and is filed under Financial Planning. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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    4 Responses to “What’s a good 401K allocation mix for these current times for a 45 year old person?”

    1. jeff410 Says:
      July 9th, 2008 at 6:01 pm

      The rest in bonds and the percentages depend on your risk tolerance.

    2. engineer50 Says:
      July 9th, 2008 at 11:34 pm

      I would put about 40% into domestic, 30% foreign and 30% investment-grade bonds.

    3. Colin Says:
      July 13th, 2008 at 8:55 am

      For retirement and risk tolerant you may want to allocate slightly maybe 510.

    4. Andy Says:
      July 16th, 2008 at 2:41 am

      For when you retire people who reach retirement have 5050 chance of hitting 90 so even at 65 youll still want to be at 65 youll still want to be.
      For when you retire people who reach retirement have 5050 chance of hitting 90 so even at 65 youll still want to be at 65 youll still want to be at least.
      For when you retire people who reach retirement have 5050 chance of hitting 90 so even at 65 youll still want to be at 65 youll still want to be at least half in stock funds or youre leaving money on the long view sentiment but.

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