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Time to get into the market...

Discussion in 'Members' Lounge' started by Airjockie, Apr 20, 2006.

  1. Airjockie

    Airjockie Watanabe Whore!!!

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    Ok you market guru's....

    I have about $10Ks I want to dump into something that will make me some money. I got $17.5Ks in my 401K, and it's only getting me a return of 6%....I can dump a nice chunk of that into the stocks below...but out of all of them, which one...or split it to $5Ks into two stocks? The 401K is now in the Income Fund...

    I'm looking at the SMALL CO STK INDEX...it looks like it might be worth it...









    Stock Investments

    Investments 1 YR 3 YR 5 YR 10 YR Life As of Date

    EQUITY FUND(S&P 500)
    Inception Date 07/01/1978 11.74 17.26 4.01 9.02 13.30 03/31/2006

    FID CONTRAFUND
    Inception Date 05/17/1967 21.35 22.36 10.28 11.90 13.41 03/31/2006

    FID GROWTH & INCOME
    Inception Date 12/30/1985 9.52 12.63 3.09 7.88 13.27 03/31/2006

    FIDELITY LOW PR STK
    Inception Date 12/27/1989 19.17 29.32 18.37 16.48 17.77 03/31/2006

    GROWTH INDEX FUND
    Inception Date 07/31/1995 13.07 14.80 1.70 6.50 7.68 03/31/2006

    INTL EQUITY INDEX
    Inception Date 06/30/1994 24.35 30.20 8.61 6.96 7.63 03/31/2006

    MIDCAP INDEX FUND
    Inception Date 11/30/1991 21.74 25.95 12.71 14.57 14.65 03/31/2006

    PRU TARGET SMCPVAL Z
    Inception Date 01/05/1993 20.63 32.66 19.33 15.46 14.74 03/31/2006

    PUTNAM GRWTH & INC Y
    Inception Date 06/15/1994 10.86 18.10 4.54 7.98 10.10 03/31/2006

    PUTNAM NEW OPS (Y)
    Inception Date 07/19/1994 20.70 20.52 2.94 5.24 9.82 03/31/2006

    SMALL CO STK INDEX
    Inception Date 10/31/1987 25.85 29.38 12.59 10.22 12.47 03/31/2006

    TEMPLETON DEV MKTS A
    Inception Date 10/16/1991 39.10 42.45 22.91 8.35 9.15 03/31/2006

    TEMPLETON FOREIGN A
    Inception Date 10/05/1982 18.08 26.03 10.68 8.89 13.51 03/31/2006

    VALUE INDEX FUND
    Inception Date 11/30/1990 13.25 21.71 7.79 10.97 13.82 03/31/2006

    VANG EXPLORER ADM
    Inception Date 11/12/2001 25.99 28.03 N/A N/A 12.90 03/31/2006

    Blended Investments

    FIRST EAGLE GLOBAL A
    Inception Date 04/28/1970 20.73 27.27 19.22 14.06 13.12 03/31/2006

    GLOBAL INDEX FUND
    Inception Date 03/31/1990 13.11 17.14 6.41 7.65 9.00 03/31/2006

    VANG TARGET RET 2005
    Inception Date 10/27/2003 5.69 N/A N/A N/A 6.61 03/31/2006

    VANG TARGET RET 2015
    Inception Date 10/27/2003 8.77 N/A N/A N/A 8.90 03/31/2006

    VANG TARGET RET 2025
    Inception Date 10/27/2003 10.30 N/A N/A N/A 10.25 03/31/2006

    VANG TARGET RET 2035
    Inception Date 10/27/2003 12.90 N/A N/A N/A 12.47 03/31/2006

    VANG TARGET RET 2045
    Inception Date 10/27/2003 14.58 N/A N/A N/A 13.86 03/31/2006

    Stable Value/ST

    * INCOME FUND
    Inception Date 07/01/1978 5.67 5.42 6.11 7.12 8.93 03/31/2006

    TRANSITIONAL MNY MKT
    Inception Date 09/30/1984 3.70 2.12 2.91 4.32 5.45 03/31/2006

    Company Stock
    UTC COMMON STOCK FD
    Inception Date 07/01/1978 15.47 27.06 10.61 16.46 14.36 03/31/2006

    Opinions please.. :)
     
  2. Celerity

    Celerity Well-Known Member

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    Pork bellies.
     
  3. micah

    micah Senior Member

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    well alot of brokers will say to not have any more then 40% of your portfolio in 1 single stock. having said that ive only ever invested in 1 stock at a time.
    just look over some graphs of whatever stock history your interested in, then research on the companies as much as possible, read up on any recent press releases and see if they have anything going on. also look at related companies.
    for example - last year when gm was having record sales month after month. most of gm's product lines come with satellite radio. all those record breaking sales meant that sirius and xm stocks were about to start booming, which imo satellite radio is a more solid investment then the auto industry.
    look out for mergers, new product lines that show promise, stuff like that.



    also, a show i like to watch -
    http://moneycentral.msn.com/content/CNBCTV...nfo/P108231.asp

    its not your typical money market show. the guy is crazy and it makes it exciting, lots of good info to be had also.
     
  4. CRX-YEM

    CRX-YEM Super Moderator Moderator VIP

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    I say diversify , put a little in a shit load in a mix of funds. all depends on the risks you are willing to take. Id never just pick 2, it's more likely one stock will go up and the other to go down and all your profits are lost in the wash.

    also 6% isn't anything to cry about these days.

    a nice place for stock charts www.bigcharts.com
     
  5. pissedoffsol

    pissedoffsol RETIRED

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    silver.

    Morgan GSA Carson City mint coins are off the hook lately.

    http://search.ebay.com/search/search.dll?s...prclo=&saprchi=

    these were selling for about 150-200 2 years ago. now look at it.
    400% increase on some years in just a couple years.

    and in my lifetime, i've NEVER seen a drop. maybe a flat line, but they have never gone down.

    MS70 is perfect. there are no known examples.

    get a 65, and you have one of very few examples.

    here's the price guide.
    http://www.pcgs.com/prices/frame.chtml?typ...=morgan_regular
     
  6. Airjockie

    Airjockie Watanabe Whore!!!

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    well, the thing is, this money is in the fidelity stock, as in 401K and savings plans, plus they have stocks that I listed above that I can transfer any money I have into...and it will still stay in my portfolio...and I'm dumping $130 into a week. I can't touch that money or pull it out to buy something, unless I do it as a loan, and that is just a minor loan on my money, and when I pay it back, it still stays my money. I'n other words, I can't touch it...but I can play around with it to make it bigger for when I do decide that I have enough, and then I can retire. There is a guy at work, thats been playing around with it for a few years, and he is about to retire with everything....over a mil in the 401K and stocks, plus he will get a pension, and the social security ...he'll live on about $6KS a month for the rest of his life...and who knows how much he has hidden in a bank somewhere, and his house is paid off, and he's got a few sweet cars and other toys in the garage. I hope to get to that level.

    So in essance, I can only divert where the money is in that fidelity company, and I can't cash it out to buy something like silver or gold.
     
  7. Bob Vila

    Bob Vila ɐןıʌ qoq Admin VIP

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    All you are doing is utilizing the stocks that your company actively trades on with your 401k. You can transfer x amount of dollars between stocks to try and make more money. The 6% you see can either be what you are contributing, what your company is contributing or what your Personal Rate of Return is (PRR = Your Personal Rate of Return is calculated with a time-weighted formula, widely used by financial analysts to calculate investment earnings. It reflects the results of your investment selections as well as any activity in your accounts. There are other Personal Rate of Return formulas used that may yield different results.)

    If your current PRR is 6% then you are doing really well, mine is at .8% at the time (will get up to 15% or so by the end of the year) and I am growing my portfolio by a few k every quarter.

    What I would do is look at the stocks available through your 401k plan and move money out of your stable funds and invest that money in a more riskier stock, I would then change your contribution amounts per stock to reflect a more riskier situation (remember, more risk = higher returns). But thats just me, I only have one stable value fund just in case everything dips, but I don't see that happening anytime soon.

    I won't mention my bottom line as of today, but this scenario has worked really well for me thus far (I have been contributing to my 401k since I started working at The Hartford 3.5 years ago) and its amazing to see how fast the account grows with contributions and the right amount of risk. Its doing so good that by the tools available to me through fidelity indicate that I could retire very comfortably at 48, however, due to my company offering a pension I have to work here until I am at least 52 (rule of 80 = 80% of my pension value [cash plan - lump sum amount upon retiring]).

    If you have some liquid cash, then I highly suggest an IRA (Roth) or a Certificate of Deposit for 5+ years (CD).

    The good thing with the Roth IRA is that you can only contribute up to 4000.00 annually. If your intersted more in this; check out this link http://www.fool.com/money/allaboutiras/allaboutiras04.htm the website talks a bunch about different types of investments and money matters...
     
  8. pissedoffsol

    pissedoffsol RETIRED

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    i need a job where they match more than 0% towards the 401k... has a pension, has a retirement plan, has stocks.....

    blah....

    which is why i have none of the above, and am doing my own thing with the coins.
     
  9. Airjockie

    Airjockie Watanabe Whore!!!

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    Well, Thats what I like at Sikorsky...hehe

    They match my weekly 401K contribution to a max of $126 by 50%, I pulled ot a $2600 loan, and I only owe $666.49 on it this week, so thats an extra $50 unmatched going right back to the 401K. Since they ratified the contract, the value has changed, so I got to reset all my contributions again, so I might as well take half of what I have in there, and get into the risky side, and watch my money make more money. right now I drop $172 in a week, and the company plops in $60...and $232 goes into the account. At 6% and for the last 3.5years....the numbers grow like crazy. And seeing $17,597.50 in my account, plus the $666.49 thats actually there as well...seeing $18,263.99 in my account makes me damn happy....and at the end of the year, another $7656+ for the rest of the years contributions will make it up to $26K's and thats not including the intrest :ph34r: if I keep it as is... But if I can play around with some stocks...that will hopefully be more...but I hate it that I'm only limited to the stocks that Fidelity and UTC has... If I could invest in something Google or the next hot internet craze...I'd be set. :mrgreen:

    Note...I'm 34 right now.....If I did this crap when I was 19 or 20ish....I'd be set up good. 10 years wasted on just trying to survive....


    Learn from my mistake...if your young...start saving now. [​IMG]
     
  10. pissedoffsol

    pissedoffsol RETIRED

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    you missed google anyway... buying them now is a bad idea. sure, it may go up a little bit, but the ROI has passed IMO.
     
  11. pills_PMD

    pills_PMD Super Moderator

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  12. Airjockie

    Airjockie Watanabe Whore!!!

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    I can do... [​IMG]

    Now somebody make some suggestions on the ones listed above and how much to put into them...


    if you can't tell...this is all new to me, and I'm clueless :cry2:
     
  13. Bob Vila

    Bob Vila ɐןıʌ qoq Admin VIP

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    Templeton Dev: 30%
    Small Co. 10%
    Midcap 10%
    Vang Explorer 10%
    UTC Common 30%
    First Eagle 10%

    *Use at your discresion, I do not guarantee you to make money, these are just the funds that I would contribute to based on the info you provided above :)

    kthx.
     
  14. phunky.buddha

    phunky.buddha Admin with a big stick Admin VIP

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    My 401k is making 50% increases every year. :mrgreen:
     
  15. BigJ

    BigJ I'm just about that action Boss. VIP

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    Hmm.... Risk isn't something if I were you I'd be looking into. The way things seem to be going. I'd just suggest dumping in as much as you can or creating an ira (roth) as sisteve has given suggestion above.

    My father just recently (7yearsago) started his retirement plan. Meaning pulling money out of the family business. He has a roth ira and invests a buttload in low risks. Saves him money and he pulls off about 12% returns on average. Over the last few years last I heard he can buy another house with the money he's invested, but I doubt he will.
     
  16. Bob Vila

    Bob Vila ɐןıʌ qoq Admin VIP

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    Risk isn't a bad thing, especially at his current age. He's still got 20 years or so and I highly doubt the market would do that bad for that long of a time. Its better to take the risk now and get better returns and then move that money over to a stable value fund and let it accrue low interest. Once you hit the 40-45 mark is when I'd start to do that (move over to a more stable fund that is).
     
  17. phunky.buddha

    phunky.buddha Admin with a big stick Admin VIP

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    Were you talking about me?

    The one that's growing that fast is my old 401k from my old company... so I can't make any more contributions to it. It's still shooting up like mad, but that's tied to something pretty specific, and it's probably not going to last past the next year.
     
  18. Bob Vila

    Bob Vila ɐןıʌ qoq Admin VIP

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    no, to slammed's post.
     
  19. Celerity

    Celerity Well-Known Member

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    I invested in Guns, gas, and MREs in 99. I lost my shirt apparently.
     
  20. Airjockie

    Airjockie Watanabe Whore!!!

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    done. Thanks :)
     
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