I have my entire 401K in -MFS Moderate Allocation- MAMHX and yield has been under 2% this year.  I have the below choices through my plan admin to change my contributions to.  I still have 25+ years until retirement, where would you put your money if you had the below choices?  Thanks

Short Bonds/Stable/MMkt
Diversified Investors Stable Pooled Fund $0.00 0%

Interm./Long-Term Bonds
Loomis Sayles Strategic Income Y $0.00 0%
PIMCO Total Return Admin  $0.00 0%

Large-Cap Stocks
American Century Value Inv $0.00 0%
Transamerica Partners Instl Stock Index $0.00 0%
Victory Diversified Stock I $0.00 0%
MainStay Large Cap Growth I $0.00 0%

Small/Mid-Cap Stocks
Virtus Mid-Cap Value I  $0.00 0%
Nuveen Mid Cap Growth Opps I $0.00 0%
Columbia Small Cap Value Fund I Z $0.00 0%
T. Rowe Price New Horizons $0.00 0%
Nuveen Real Estate Securities I $0.00 0%

International Stocks
American Funds EuroPacific Gr R4 $0.00 0%
Oppenheimer Developing Markets Y $0.00 0%

Multi-Asset/Other
MFS Conservative Allocation R3 $0.00 0%
MFS Moderate Allocation R3 $1 100%
MFS Growth Allocation R3  $0.00 0%

40% large cap
40% medium cap
20% foreign

or evenly distributed across all options to minimize risk.

Pretty good advice.  I've been a little more aggressive on the foreign stocks, and during the last down turn put some over into the bond market.  Yields aren't great in the bond market, but are usually stable.

If you're 25+ years away why aren't you using a targeted retirement account? That's what I'm doing and I'm seeing 12%.

Out of that list,  I'd go for the institutional index fund.  That's probably the lowest cost, too.

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It doesn't look like Transamerica is offering my company a targeted retirement account. I wish I was seeing 12%. That's why I posted the question.



I don't see institutional index fund listed?

Transamerica Partners Instl Stock Index is an institutional index fund.  DISFX

This is an S&P 500 index fund with a 0.3% expense ratio.  Index funds typically have far lower expense ratios than activley managed funds.  And tracking the S&P 500 is a solid move that covers a pretty good chunk of the market.

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How well would that work with 20 yrs to go?
I'm 48 and my 401 offers a targeted retirement...

here is M*'s look at your fund
http://quotes.morningstar.com/fund/MAMHX/f?t=MAMHX

i would compare this with an industry-standard balanced fund such as
http://quotes.morningstar.com/fund/fbalx/f?t=FBALX

in this case it seems you are coming up short on every performance interval.

given that, you need to obtain the fund symbols for everything in your 401k, and play with M*'s InstantXray tool a bit until you get the portfolio mix/asset allocation you want.  then you can redistribute your 401k monies accordingly.  and then stick to the plan!

InstantXray how-to's/examples:

http://www.ar15.com/forums/t_1_133/583439_.html
and
http://www.ar15.com/forums/t_1_133/1122005_.html
and
http://www.ar15.com/forums/t_1_133/552447_.html
and
http://www.ar15.com/forums/t_1_133/586834_.html



ar-jedi