My portfolio currently consists solely of a 401k. I put in 2% of my salary (company doesn't match). What's the next thing I should be looking at to put my money in that I don't have to actively manage for growth, or at least protection against inflation? Vanguard mutual funds?

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Anonymous Tue Nov 1 23:08:40 2016 No.1597176 [Reply] [Original]

My portfolio currently consists solely of a 401k. I put in 2% of my salary (company doesn't match).
What's the next thing I should be looking at to put my money in that I don't have to actively manage for growth, or at least protection against inflation? Vanguard mutual funds?

Anonymous Tue Nov 1 23:14:12 2016 No.1597187

>>1597176
set up a roth IRA and contribute the annual max ($5500), just pick out one of the target date funds with vanguard if you want, that should have you set for retirement savings

after that index whatever else you want to save for other major purchases like a house or a car or something

>>	Anonymous Tue Nov 1 23:54:27 2016 No.1597236 >>1597176 If you don't get a match, Roth > 401K. Only fund the 401k if you max out the Roth. >just pick out one of the target date funds with vanguard This is very good advice.

>>	Anonymous Wed Nov 2 00:09:17 2016 No.1597253 >>1597176 Gold denominated forex accounts that are divided up into 10 of the most reliable high-yielding signals. They can make well over 50% a year so even if 3/10 go bust due to mis-management you'd still cut a profit.

Anonymous Wed Nov 2 00:12:14 2016 No.1597257
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Target date funds are actively managed which means they have higher fees. If you want to do just a little more work, you could probably retire with a bit more, particularly when you start investing beyond your Roth IRA (actively managed funds are tax-inefficient as well).

Here is a good conservative portfolio; you could spend less than an hour a year balancing it...

>>	Anonymous Wed Nov 2 00:16:13 2016 No.1597262 Personal Capitol is an app that will also give you portfolio suggestions based on some very brief questions, again allowing you to avoid an actively managed fund. It links to your trading accounts and is actually fun to play with.

>>	Anonymous Wed Nov 2 00:17:19 2016 No.1597264 File: 106 KB, 640x1136, IMG_1134.png [View same] [iqdb] [saucenao] [google] >>1597262 Forgot picture

>>	Anonymous Wed Nov 2 00:59:08 2016 No.1597311 >>1597257 >Target date funds are actively managed Wrong. >which means they have higher fees. Wrong. >recommending a 55% bond portfolio I don't think OP is 74 years old. Why would you even post? You obviously don't know a fucking thing...

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