Purpose: If you have a 401(K) and are limited to investing in only the specific choices offered within the company/employers 401(K) plan menu options and feel you would like a little more help in managing it thru the intermediate (3-12 months) and longer term of (1-10 years) this resource page is designed for just that, based on specific personal levels of risk tolerance, age and market dynamics.
This is a 20 year chart of the price performance for the Dow Industrials for the current period going back 20 + years to the low of the 1987 market crash bottom. This chart in conjunction with the chart just below it for the period between 1960-1983 attempts to demonstrate how the impact in prolonged periods of negative real return markets can have on retirement investment accounts.
Dow 1987 20+ years
Some employer plans restrict the amount of activity permitted as to frequency of investment transfers or switching within the provided platform. This resource does not take into consideration any such restrictions as to do so could compromise performance integrity.
Dow 1960-1983 Nominal Price Range
Risk levels correlate to the total percentage of account value invested in an equity basket of index based mutual funds. The asset mix of funds is represented by a periodically rotational weighted mix between Stable Value, Government Bonds, US and International Large Cap, Small Cap, Technology, Emerging Market, and general Sector funds or ETF’s The remaining balance not enumerated to equity is allocated to Stable Value/ Money Market or Short Term Gov. Bonds in lieu of money market. Due to the possible volatile price fluctuations of bond funds, a periodic, cyclical switching model between a Stable Value Fund and / or very short term to longer term Gov. Bond Funds is also implemented to help preserve principal and help capture higher rate income returns.
The below risk models reflect portfolio allocations as of JULY 16, 2008 to present. These models are periodically adjusted based on the market dynamics that drive their specific allocations. If you would like to be updated in real time via Email when a change in a models allocation occurs, please notify us at Admin@TimingStrategies.com with your specific models categorey and we shall include you in that specific models adjustments.
Below are identified as general age and risk catagories for most major 401(k) & IRA profiles. Please click on the the most accurrate catagory that would best describe your current profile. If you are not sure about how to determine your risk profile, please contact us.
AGE: 18-30 HIGH AGE: 18-30 MODERATE AGE: 18-30 LOW
AGE: 30-40 HIGH AGE: 30-40 MODERATE AGE: 30-40 LOW
AGE: 40-45 HIGH AGE: 30-40 MODERATE AGE: 40-45 LOW
AGE: 50-55 HIGH AGE: 50-55 MODERATE AGE: 50-55 LOW
AGE: 55 > HIGH AGE: 55 > MODERATE AGE: 55 > LOW
Individual company stock is not considered due to the nature of specific company and industry risk factors. If your company offers their stock as an investment option and have a question about your specific company stock as a partial substitution to the model allocations, or any other questions whatsoever, please feel free to contact us at 949-675-8889 or Email Admin@TimingStrategies.com
