I am 24yrs old, I am out of debt and l put almost 40% of my 45 - 50K/yr paycheck into 401k, money markets and an IRA.I've copied and pasted a breakdown of the different categories that l can put my 401K funds into.Right now l have it all in Balanced/Assest Location.I've currently lost 28%.I am not really worried about that (even though I'd like to limit my losses as much as possible) cause l know l have a long way to retirement.Which of these options or maybe a combination will be the best choice for todays economy.Thanks for your help.

Asset Class Descriptions
Many plan participants mix and match investments from different categories to help them diversify their retirement savings:

Short-Term Fixed Income
These types of investments include any investments that can be quickly turned into cash without losing much value. They may include investment options such as Treasury bills, Certificates of Deposit (CDs), commercial paper and money market instruments. They are considered to be among the least risky forms of investments. However, they are more likely to have a lower rate of return than stocks or bonds over long periods of time.

Fixed Income
These types of investments are loans to a company or a government entity. They generally carry more risk than cash equivalents, but less than stocks. Their values can go up and down, though usually not as much as stocks.

Balanced/Asset Allocation
These types of investments will generally hold a combination of Fixed Income and Equity investments.

Large U.S. Equity
These types of investments include shares of ownership in companies. They generally carry more risk than other investments and have the potential for higher returns. They may be a good choice to help your contributions grow if your retirement is years away. Investments in U.S. companies with large market capitalization.

Small/Mid U.S. Equity
These types of investments include shares of ownership in companies. They generally carry more risk than other U.S. equity investments and have the potential for higher returns. They may be a good choice to help your contributions grow if your retirement is years away. Investments in U.S. companies with small market capitalization.

International Equity
These types of investments include shares of ownership in companies. They generally carry more risk than all U.S. equity investments and have the potential for higher returns. They may be a good choice to help your contributions grow if your retirement is years away. Investments in businesses with their principal place of business or principal office outside the United States.

Now that you have an understanding of the basic investment types, select Investment Performance to access details about the investment options available in each category.

give some to me!!







you obviously already know what to do with it, so l thought l would have a jok with you lol

get out and buy gold and relax

As a long time investor, l can tell you that the real answer to your query depends on your tolerance for risk! However, the Balanced Asset portfolio would seem to be a reasonable choice given the current state of the US financial markets.

The 28% u r down, is that from the peak of the market?? Or is that year to date? l ask, because the 28% decline seems very steep for an asset allocation fund. My balanced fund is down just over 7 percent ytd.

Do ur asset allocation plan 1st. After that, u can pick ur funds. l will attach an asset allocation tool from cnnmoney. But l might go something along the lines of:

35% large us equity
15% small/mid us equity
20% international
20% fixed income
10% short term fixed income