My company offers a 401K through VOYA. I know nothing about 401Ks,

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Anonymous
2017-08-20 06:19:40 Post No. 3143384
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Anonymous 2017-08-20 06:19:40 Post No. 3143384 [Report]

My company offers a 401K through VOYA. I know nothing about 401Ks, but these are the options listed below. Is a 401K worth it? Which of these should I choose? The one with the highest % annual return for 10 years? I have a document that shows the annual return for 1yr/5yr/10yrs for each of these. Or should I just invest in stocks instead so I don't have to wait until I'm an old fuck to access this money?

American Funds Am Balancd R6
American Funds Cap In Bld R6
American Funds CapWld G&I R6
American Funds EuroPacific R6
American Funds Growth Fnd R6
American Funds New World R6
American Funds SMALLCAP R6
American Funds Wash Mtual R6
DFA Emerging Markets Portfolio Inst
Loomis Sayles Core Plus Bond Fund N
Neuberger Berman High Inc Bnd Fd R6
PIMCO Income Fund Inst
PIMCO Real Return Fund Inst
Templeton Global Bond Fund R6
Vanguard 500 Index Fund Adm
Vanguard LifeStrat Cnsrv Grw Fd Inv
Vanguard LifeStrat Growth Fd Inv
Vanguard LifeStrat Income Fd Inv
Vanguard LifeStrat Mod Grwth Fd Inv
Vanguard Mid-Cap Index Fund Adm
Vanguard Small-Cap Index Fund Adm
Vanguard Total Bnd Mrkt Ind F Adm
Vanguard Total Intl Stk Index Fd Adm
Vanguard Trgt Retire 2015 Fnd Inv
Vanguard Trgt Retire 2020 Fnd Inv
Vanguard Trgt Retire 2025 Fnd Inv
Vanguard Trgt Retire 2030 Fnd Inv
Vanguard Trgt Retire 2035 Fnd Inv
Vanguard Trgt Retire 2040 Fnd Inv
Vanguard Trgt Retire 2045 Fnd Inv
Vanguard Trgt Retire 2050 Fnd Inv
Vanguard Trgt Retire 2055 Fnd Inv
Vanguard Trgt Retire 2060 Fnd Inv
Vanguard Trgt Retire Income Fnd Inv

$4CHN:CHGZEb2344F7dnx9r95JCYc4E91C42qcDk 2017-08-20 06:26:29 Post No.3143486
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$4CHN:CHGZEb2344F7dnx9r95JCYc4E91C42qcDk 2017-08-20 06:26:29 Post No.3143486 [Report]

>>3143384
Probably pick a vanguard. How much you should put in depends on company matching

Anonymous 2017-08-20 06:34:39 Post No.3143600
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Anonymous 2017-08-20 06:34:39 Post No.3143600 [Report]

>>3143486
Should I put in the largest amount that my company will match 1:1? Not quite sure how that works.

$4CHN:CHGZEb2344F7dnx9r95JCYc4E91C42qcDk 2017-08-20 06:43:30 Post No.3143725
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$4CHN:CHGZEb2344F7dnx9r95JCYc4E91C42qcDk 2017-08-20 06:43:30 Post No.3143725 [Report]

>>3143600
Does doubling your money immediately sound like a good idea?
Say they match up to 5% of your salary at 100% and an additional 2% at 50%, then you should put in 7%

Anonymous 2017-08-20 06:50:46 Post No.3143822
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Anonymous 2017-08-20 06:50:46 Post No.3143822 [Report]

https://www.reddit.com/r/personalfinance/wiki/401k/
have a read OP

Anonymous 2017-08-20 08:00:56 Post No.3144608
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Anonymous 2017-08-20 08:00:56 Post No.3144608 [Report]

I usually get raises in January, should I wait until my raise to sign up for this?

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