Wanting to reallocate since I'm pretty sure we're going to into a recession or at least a US stock recession (if there is such a thing). My current allocations are as follows:
John Hancock (401k) (Current Employment) (Less than $1k currently but growing)
-Russell 2000 Index Fund (50%)
-SPDR MSCI All Country World Index ex USA Index (50%)
-Large Cap Foreign Blend
Fidelity (401k) (About $2.5k currently)
-Fidelity Spartan International Index (50%)
-Large Cap Foreign Blend
-Fidelity Spartan Total Market Index (50%)
-Large Cap following the Wilshire 5000
ETrade (IRA) (About $15k)
-E*TRADE Russell 2000 Index (50%)
-E*TRADE International Index (50%)
-Large Cap Foreign Blend
The question is how aggressive should I be? I'm thinking about reallocating into hyper aggressive small cap funds from Asia and South America. I don't see how the flow of money there is going to stop anytime soon (espcially China) but there is always risk. Having said this... it is retirement money that is 25-30 years away... but is it worth reallocating?
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2 comments:
Have you considered diversifying your current 401(k) into more than two funds? A 50/50 split doesn't allow you to take advantage of investing in different sectors. I do a five-way split with 20% in each fund.
How about an anonymous update for your anonymous readers? =)
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