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    Should I manage my own 401(k)?

    @neari The best fund is one you will stay in when the market drops (so you won't sell and capitulate). It's easy to overestimate your tolerance for risk. I'd go with the idea of just switching new additions to S&P 500 unless you really can tolerate extra risk. But also consider Vanguard has...
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    Talk me out if this…I am thinking of locking up a decent chunk of my bond allocation in l-t treasuries

    @theflower Some fixed income for retirement out to age 90 (or more?) seems prudent, to me. TIPS used in a retirement account is getting a lot of attention lately. But TIPS/fixed income only for part of a portfolio (you determine how much). TIPS are "inflation protected income". Social Security...
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    Should I manage my own 401(k)?

    @familylawyerspenrith Timeframe / sequence of risk? From 2000 to 2013 the S&P500 was flat. That is 13 years with steep ups and downs in between. That can test your fortitude and convictions. Would you have held on for that 13 year span? See the numbers...
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    Should I manage my own 401(k)?

    @neari Go here, click on "quarterly" and ask yourself if you would have sold in 2022 with those losses and missed out on 2023 (this is Vanguard S&P 500 ETF): https://investor.vanguard.com/investment-products/etfs/profile/voo#performance-fees In hindsight, it is easy to say you would have held...
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    Should I manage my own 401(k)?

    @neari Edit: Rewriting this: Two years of data is not long enough to make decisions for a 2060 retirement.
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    Should I manage my own 401(k)?

    @neari 8.3% last 10 years vs S&P 500 12.57% for VOO (last 10 years). That is a big difference. But as big as you thought?
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