Cars and Stuff

I am not great with finances & I have a 401K account. Can anyone tell me if 5.0 is a good rate of return?

The finance company won’t advise where you should invest & I feel I should be more aggresive if I have a horrid rate of return. but 5.o might be great for all I know!?!) (I’m 35 so I thought maybe being a little more aggresive would be okay.

good ror should be greater that inflation rate or your savings rate. You should be heavily invested on stock (80% of your total portfolio). Since the market is quite volatile right now your 5.0 is acceptable.

REview your options or the funds (each fund should explain what type, industry,strategy) being offered on your 401k and try to readjust your asset allocation.

I would look into conservative stock funds that are invested in establsied company that would do well over recessionary period.

You can shift 1/2 of it to aggressive (international, midcap, s&p500) probably next year when the dust settles in main street.

For the meantime try reading your 401K brochure or try visiting their website to learn more about basic investing, it should be your best source of info…

note: will not be held liable from any loss incurred or caused by the above answer. consult your investment advisor or their website.

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