Do you need bonds in your 401k
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- Опубліковано 14 лис 2021
- Should you have bond funds in your retirement plan at work? In this video I'm talking about bonds and diversification inside your workplace retirement plan such as a 401k or 403b.
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This is excellent. I’m 52 and have to catch up in my 401k due to circumstances and was debating about including bonds. I’m willing to keep them out and accept the risk.
Like the topic! I recently moved from 93/7 to 80/20. My reasoning was as the above commenter mentioned: lost decades, Japans market, but primarily for rebalancing purposes when we do get a major sell off. I’ve got about 15 years left till retirement.
At this point in time the most benefit people will get from a bond fund is the ability to rebalance after large equity market pullbacks.
I don't agree. Rates rise, bonds fall.
Excellent video. I’m 52 and don’t have any bonds in my 401k because I don’t see a long term gain for them historically. I have allocated 50% large cap growth and 50% in a S&P 500 index fund. I’m willing to accept the ups and downs. Everyone needs to see that long term market chart you posted. Great job.
Not an issue but it's likely your two funds have a lot of overlap. Is there a reason not to just choose the sp500 index only? You're avoiding the value side.
Agreed, value stock preform well over time and has less risk then growth stocks do.
@@jasonwallace6945 slow and steady wins the race. thanks for replying.
When the bubble pops, bonds got your back. The lost decade will make people work pass their retirement target. Be fearful when others are greedy.
Great great video but I think it goes beyond just what the title insinuates.. I felt like it was a broader psychology of investing with a bond spin.. I think a change in title would help with more views as many yt viewers are less interested in bond videos in general. I debated watching it just bc of the title and the sheer length but glad I did!
thanks for feedback. I'm not good at titles or thumbnails but would like to get better. I agree, I have lots of videos that are probably valuable to a lot of people but don't get the views based on titles or thumbnails.
I dont mind volatility. I see few reasons to own bonds at these yields levels.
I agree. Zero bonds
I've been working for a company for 11 years and I'm in the vanguard 2025 retirement fund and I was wondering if I should move it to the 2065 Target date because it's high in bonds the one I have now and it went down a lot and I don't understand if the bonds go up in 2023 will my 2025 retirement fund go up
Royalty companies are as close as I will get to bonds.
So yes or no? Bruh......