What's your thought's my my Asset Allication.

[fruitbowlk]

fixed Income 76%
Government Securities 2%
Equity 5%
Equity Index 8%
Small company Equity 3%
Internation Equity 5%
Moderate 1%

I'm 30 years old.

[Broken Arrow]

What are the stock ticker symbols? And what percentage do you have in each fund? That would help me anyway.

[sweeps]

Waaay too conservative for a 30-yr-old.

[disneysteve]

Waaay too conservative for a 30-yr-old.

I totally agree, 100%. Why do you have 78% in fixed income? At 30, I'd be looking at maybe 20% tops in fixed income, 30% if you are really conservative, but certainly not nearly 80%.

[safari]

At your age fixed income should be reserved solely for emergency funds and short term savings (vacation fund, house downpayment, etc.) Long term savings should be in mutual funds/stocks (70% domestic, 30% international).

[jIM_Ohio]

fixed Income 76%
Government Securities 2%
Equity 5%
Equity Index 8%
Small company Equity 3%
Internation Equity 5%
Moderate 1%

I'm 30 years old.

This is nearly 80% bonds. A 30 yo needs growth- to point where I would suggest between 60 and 80% equities. Most target date funds for a 30 yo will have at least 80% equities.

[maat55]

I would suggest:

25% Growth
25% Growth & Income
25% Aggressive Growth
25% International growth

Later, when your portfolio has enlarged, scale back to 50% large caps 50% small caps.

[jIM_Ohio]

I would suggest:

25% Growth
25% Growth & Income
25% Aggressive Growth
25% International growth

Later, when your portfolio has enlarged, scale back to 50% large caps 50% small caps.

This advice is mixing market caps with investment styles. I would caution following this approach unless the person who posted it lists examples or explains themself.

Growth is equity centric. According to T Rowe Price this is anything higher than 80% equites.
Growth and income is equity centric, just more conservative. According to T Rowe Price this is anything between 50-80% equity.
Aggressive growth- not sure how this would be different than growth.
International Growth- this would be part of any of above strategies.

I would look to learn about asset allocation and market cap (size of companies you invest in) before following the advice of the post above.

[Slug]

fixed Income 76%
Government Securities 2%
Equity 5%
Equity Index 8%
Small company Equity 3%
Internation Equity 5%
Moderate 1%

I'm 30 years old.

This is fairly conservative as others have stated. Can you let us know your thinking behind this allocation? What factors played into your decision to make these choices?

[fruitbowlk]

When I stated at my job there where no one to guide us into how to Allocation so I really just went with whatever. A year or so ago they started a finanially program where we could ask for some guidance but they aren't allow to tell you where to put your money and this is what he suggest due to question I had answers. No that I'm learn more about stock and mutal funds I realize that what I have might not be what's best for me.

What are the stock ticker symbols? And what percentage do you have in each fund? That would help me anyway.

I don't think we have a stock ticker symbol. and the percentage is next to the fund.

[disneysteve]

I don't think we have a stock ticker symbol. and the percentage is next to the fund.

If you Google the funds by name, you can get the symbols.

[Slug]

When I stated at my job there where no one to guide us into how to Allocation so I really just went with whatever. A year or so ago they started a finanially program where we could ask for some guidance but they aren't allow to tell you where to put your money and this is what he suggest due to question I had answers. No that I'm learn more about stock and mutal funds I realize that what I have might not be what's best for me.

What are the stock ticker symbols? And what percentage do you have in each fund? That would help me anyway.

I don't think we have a stock ticker symbol. and the percentage is next to the fund.

If your job offers financial advising and you've met with them and answered their questions around your risk tolerance and then suggested this allocation to you, I'm a little reticent to start making alternative suggestions at this point. Why is it you're seeking additional opinions?

[jIM_Ohio]

The people you asked questions to might have sensed something in your voice or a tone of the question which led them to quickly generalize and suggest conservative assets.

Two issues
1) did you really ask the right questions
2) general questions get general answers, specific questions get specific answers.

You asked how to allocate funds. Based on what you gave, I would choose the following for ME.

fixed Income 0%
Government Securities 0%
Equity 20%
Equity Index 25%
Small company Equity 30%
Internation Equity 25%
Moderate 0%

Which is 100% equity, 75% domestic and 25% foreign. earlier this year my similar allocation had lost 15%+ and right now I am down about 5% from Jan 1. Short term this will look like a roller coaster. As time increases this should give 9-12% annual returns.

You may or may not like the losing 15% to gain 9% attitude. I know that is how the market works and live with it. If you don't like this attitude, you need to ask a more specific question or have a more specific plan in place.

[Broken Arrow]

Well the most important thing is that you are investing.

Asset allocation, plenty of people here are more than capable of helping you out.

Best of all, this isn't fatal and is quite fixable.

[fruitbowlk]

Just like a made a mistake with my Roth IRA. I want to make sure I'm not making a mistake with my 401K. I getting older and more into my finances which I have never been interesed in before. I just trying to make sure I'm making all the right moves.