Financial Stuff

breakingnews · 04-26-2005, 04:17 PM

Your portfolio is very conservative (based on your combo of stocks & bonds), which generally means you're looking for very small fluctuations in your account at the expense of generating modest growth (say, 5-8%, as opposed to 10-25% growth from an aggressive portfolio).

And these funds are designed to grow in the long term. Looking at a single quarter's performance won't tell you much, especially given how the stock markets have been on a roller-coaster ride over the past year. I think my Fidelity funds also showed a net loss for this quarter, but are still up 10-12% compared with this time last year.

If you want high risk/high growth, your mix should look more like 80-90% stocks, 10-15% bonds, <5% short-term reserves. That will depend on how much of your portfolio you allocate to each fund.

Look at vanguard's Web site for an update on their fund options. You are currently in pretty modest/conservative funds. Unfortunately I haven't paid enough attention to Vanguard products (I just started my Vanguard account - 401(k) benefits just kicked in last month) to advise you on whether or not these funds are good/bad. I can look and see when I get home.

04-26-2005, 04:17 PM	#2
breakingnews Q_Q Join Date: Oct 2003 Location: somewhere in between Posts: 995	Your portfolio is very conservative (based on your combo of stocks & bonds), which generally means you're looking for very small fluctuations in your account at the expense of generating modest growth (say, 5-8%, as opposed to 10-25% growth from an aggressive portfolio). And these funds are designed to grow in the long term. Looking at a single quarter's performance won't tell you much, especially given how the stock markets have been on a roller-coaster ride over the past year. I think my Fidelity funds also showed a net loss for this quarter, but are still up 10-12% compared with this time last year. If you want high risk/high growth, your mix should look more like 80-90% stocks, 10-15% bonds, <5% short-term reserves. That will depend on how much of your portfolio you allocate to each fund. Look at vanguard's Web site for an update on their fund options. You are currently in pretty modest/conservative funds. Unfortunately I haven't paid enough attention to Vanguard products (I just started my Vanguard account - 401(k) benefits just kicked in last month) to advise you on whether or not these funds are good/bad. I can look and see when I get home. __________________ Gone crazy, be back never. Last edited by breakingnews; 04-26-2005 at 04:21 PM.

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