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Posted: 12/16/2014 1:36:50 AM EDT
[#1]
Insurance companies masquerading as investment companies often have expensive investment options, typically with rather high loads. Make sure that you do your homework.
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Posted: 12/16/2014 1:55:41 AM EDT
[#2]
Check the expense ratios of the funds and ETFs being offered. As noted above, these expenses are often quite high. Fidelity or Vanguard would be a much better and cheaper choice, although I realize you usually don't have a choice for where your 401k lives.
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Posted: 12/17/2014 1:36:08 PM EDT
[#3]
Yes unfortunately I have no choice in the matter, I hope I can get some research on this before it goes into "blackout".
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Posted: 1/5/2015 6:29:59 PM EDT
[#4]
After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles.
1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. |
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Posted: 1/6/2015 2:14:50 AM EDT
[#5]
Quote HistoryQuoted: After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles. 1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. #11 might have potential. Healthcare seems to do well in up and down markets. #9. REITs tend to be disconnected with the market. They can serve to counterbalance the market, especially when it goes down. Don't they have any common funds, like an S&P 500, or a Total Stock Index or Total Bond Index? It seems odd they'd be left out. Or, are you just listing some of the more interesting offerings? |
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Posted: 1/6/2015 3:01:04 AM EDT
[#6]
Quote HistoryQuoted:
After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles. 1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. If the fees for those funds are higher than your other comparable funds in an IRA or wherever (I believe they typically are), I'd contribute only enough to the 401k to maximize your employer's matching (if available). |
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Posted: 1/6/2015 10:56:41 AM EDT
[#7]
Quote HistoryQuoted:
Well, the Russell 2000 is Small Caps. They tend to gain more and lose more in a given year compared to large caps. If you can stomach big swings, they might be ok. #11 might have potential. Healthcare seems to do well in up and down markets. #9. REITs tend to be disconnected with the market. They can serve to counterbalance the market, especially when it goes down. Don't they have any common funds, like an S&P 500, or a Total Stock Index or Total Bond Index? It seems odd they'd be left out. Or, are you just listing some of the more interesting offerings? Quote HistoryQuoted:
Quoted:
After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles. 1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. #11 might have potential. Healthcare seems to do well in up and down markets. #9. REITs tend to be disconnected with the market. They can serve to counterbalance the market, especially when it goes down. Don't they have any common funds, like an S&P 500, or a Total Stock Index or Total Bond Index? It seems odd they'd be left out. Or, are you just listing some of the more interesting offerings? |
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Posted: 1/6/2015 10:57:57 AM EDT
[#8]
Quote HistoryQuoted:
If the fees for those funds are higher than your other comparable funds in an IRA or wherever (I believe they typically are), I'd contribute only enough to the 401k to maximize your employer's matching (if available). Quote HistoryQuoted:
Quoted:
After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles. 1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. If the fees for those funds are higher than your other comparable funds in an IRA or wherever (I believe they typically are), I'd contribute only enough to the 401k to maximize your employer's matching (if available). This has been my normal strategy with my current 401k. |
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Posted: 1/6/2015 11:00:52 PM EDT
[#9]
I like index funds. They always seem to out preform actively managed funds in the long run and the expense ratios are much lower. It's hard to make money when they take a lot in expenses. I just had to setup my wife's 401k at her new job and I did 70% S&P 500 index and 30% bond index with an auto re-balance each year.
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Posted: 1/7/2015 12:11:16 AM EDT
[#10]
Could you explain auto re-balance?
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Posted: 1/7/2015 5:38:57 PM EDT
[#11]
Quote HistoryQuoted: Could you explain auto re-balance? It keeps your holdings to the percentages you select. Say you decided on 70% stocks and 30% bonds but bonds went up and stocks went down so at years end you had 60% stocks and 40% bonds. They will sell bonds and buy stocks to get back to the 70/30 percentages. |
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Posted: 1/8/2015 1:03:29 PM EDT
[#12]
Thanks, I thought that was what you meant but as I had said earlier I am an investment noob.
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Posted: 1/11/2015 1:27:52 AM EDT
[#13]
I don't know your old selections but I would be upset at those options. Looks like a bank sold a bill of goods to your HR just to capture your contributions and service fees
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Posted: 2/4/2015 10:44:14 PM EDT
[#14]
Quote HistoryQuoted:
I don't know your old selections but I would be upset at those options. Looks like a bank sold a bill of goods to your HR just to capture your contributions and service fees How would you go about getting HR to change this? |
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Posted: 2/5/2015 2:35:24 AM EDT
[#15]
Quote HistoryQuoted:
How would you go about getting HR to change this? Quote HistoryQuoted:
Quoted:
I don't know your old selections but I would be upset at those options. Looks like a bank sold a bill of goods to your HR just to capture your contributions and service fees How would you go about getting HR to change this? threaten to expose their bribe taking activity to the corporate ethic's officer! (lol) |
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Posted: 2/5/2015 11:23:39 PM EDT
[#16]
Quote HistoryQuoted:
Yes they do have the S&P 500 and a TSI variety, those listed are the best performers from their list of funds. Quote HistoryQuoted:
Quoted:
Quoted:
After glossing over the John Hancock site and with me vast non-existent investment knowledge I have came up with what might be some possibles. 1.Natural Resources Fund (JNRAX) - blood in the streets, buy low, sell high and all that jazz. 2. MSCI World Paper & Forest 3.Russell 2000 Growth 4.Russell 2000 Value 5. S&P 500 Financials 6. Financial Industries 7. Regional Bank 8. Technical Opportunities 9.Morgan Stanley REIT 10. NASDAQ BIOTECH 11. Russell 3000 Health Care 12. NASDAQ 100 Any suggestions or warnings? This is a newish 401 and has just under $2000.00 my age is 50 and I am willing to roll the dice all the way with this 401k for the foreseeable future. So any suggestions of where and how much would be greatly appreciated, thanks. #11 might have potential. Healthcare seems to do well in up and down markets. #9. REITs tend to be disconnected with the market. They can serve to counterbalance the market, especially when it goes down. Don't they have any common funds, like an S&P 500, or a Total Stock Index or Total Bond Index? It seems odd they'd be left out. Or, are you just listing some of the more interesting offerings? I'd put 70% or so in the S&B500 fund and 30% in a few of the others...Biotech, Healthcare, REIT maybe...just for a little more risk. My company 401k is through Vanguard and our selections are VERY conservative. Basically index funds and target funds. Mine is 70% S&P500 and 30% Vanguard PRIMECAP (actively managed, but still pretty much mimics the market). |
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