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re: How screwed am I?

Posted on 1/8/26 at 10:02 am to VooDude

Posted by RoyalWe

Prairieville, LA

Member since Mar 2018

4389 posts

Posted on 1/8/26 at 10:02 am to VooDude

I know it’s been said, but roll your old 401ks to an IRA, not your new employer’s 401k. Say it out loud. Say it again.

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Posted by amgslg

Member since Jun 2014

387 posts

Posted on 1/8/26 at 10:05 am to VooDude

At this age put it all in either a total stock market index or a s and p 500 index. Look at your options and google them and find the one that does this. If you can’t figure it out run your options through ChatGPT and ask it which ones are either of the above.

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Posted by Twenty 49

Shreveport

Member since Jun 2014

20935 posts

Posted on 1/9/26 at 12:09 am to VooDude

If you don’t want to spend time worrying about how to allocate your 401k investments, choose the appropriate Target Retirement Account fund. With you being 30 years from retirement, it will likely put you about 95% in the kind of stocks folks are suggesting. As you get older, it will slowly rebalance to a more conservative mix with more bonds.

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