401k Options

[Frugal45]

I am 35 years away from retirement. I have some decent investment options in my 401k, but I think I am being too conservative. Right now I have:

30% FCNTX
25% PTTRX
and 45% split evenly among the other small cap options (NBGEX, MSSGX, NOSGX)

I am pretty sure I need to be more aggressive.

How does it look being 35 years from retirement?

[Slug]

A million dollars allocated like this will probably perform just fine. :-) Would you like to provide additional data???

[jpg7n16]

Originally Posted by Frugal45

I am 35 years away from retirement. I have some decent investment options in my 401k, but I think I am being too conservative. Right now I have:

30% FCNTX
25% PTTRX
and 45% split evenly among the other small cap options (NBGEX, MSSGX, NOSGX)

I am pretty sure I need to be more aggressive.

How does it look being 35 years from retirement?

Why do you feel you need to be more aggressive?

Do you have any money in any other accounts? Or just 401k for retirement?


I think 45% in small caps is aggressive. 25% in bonds is conservative. So you're a bit inconsistent there.

[Frugal45]

That is just my 401k. My wife has a 401k as well, and we also have an IRA. My 401k represents a little over half of our total retirement savings. The percentages are of my total contribution per pay check. So 45% of my contribution goes to small cap, 25% to bonds, 30% to large cap.

I have always heard when you are young to go a lot more aggresive. Less than half of my contribution being allocated aggressively seems too conservative considering I am not even 30. Although, it sounds like from the responses maybe I was wrong.