[USER]

Need some advice. My rate of return for 2024 was 11.8% through my Employer 403b

I am invested in
JPM US Equity R6 50%
FID 500 25%
Vanguard Target 2055 25%

Is a return of 11.8% good i was hoping to see more. Maybe I should switch something around?

Through my employer I have target date funds, passive core options and active core options

I invest through Fidelity.

Tia!

[Mike]

I’ve bailed on the target date funds. While Vanguard’a are probably the cheapest and easiest to understand of any target date funds, the bond and international stocks just have not been where it’s at for a looooong time.

Now mostly VOO/FXAIX/QQQ for stocks, gold / silver for the hedge side, and some bitcoin in the ol’ gambling fund.

[Carrie]

I go with 100% S&P 500 fund in my 401K. In reality it’s yearly average return is about 11%, but it has had an exceptional few years recently.

Target Date Funds tend to underperform the S&P 500. They have foreign and US equities but also bonds.

Bonds are very conservative and do not perform well during times of high inflation. If it was my account, I would drop the TDF and up your FID 500.

Also keep an eye on expense ratios. FXAIX is .02% JPM R6 is .44%.

[Jule]

The S&P returned 23% in 2024. The target fund is weighing you down.

[Nate]

Personally I invest in longer date target funds when my employer plan doesn’t offer better options ensuring a more aggressive growth.

If/when I leave an employer, I rollover into my IRA/Roth IRA so I can better control the investments and have better available options.

[Brian]

I would say that’s really bad considering the whole stock market was up way more than that.

I would look into moving your funds into an S&P 500 equivalent

[Author]

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