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My 401k is up 23% over past year, 7% YTD. Is that good?
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Date: April 15th, 2026 5:19 PM Author: big digit ratio I have $401,559.01 (LOL wow I have $401K in my 401k) in this account and $48,142.04 in an IRA (up 3%).
(Not much other savings, though, since I'm a reckless spender and don't do any investment outside of the retirement funds.) |
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Date: April 15th, 2026 5:35 PM Author: Umber range when I was a kid I thought 401K meant that's how much you were supposed to save up over time to retire on. I still do, but I used to too. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820157) |
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Date: April 15th, 2026 5:36 PM Author: big digit ratio (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820160) |
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Date: April 15th, 2026 5:36 PM Author: Iridescent mildly autistic corn cake theater 180 (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820162) |
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Date: April 16th, 2026 8:08 AM Author: Curious topaz area double fault 180 moniker (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821097) |
Date: April 15th, 2026 5:24 PM Author: Aggressive Selfie my 401k was up hugely until recently, all my puts are there, im down like 100k in 1m or less (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820117) |
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Date: April 15th, 2026 5:24 PM Author: big digit ratio I just chose the low-risk managed portfolio and let do. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820118) |
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Date: April 15th, 2026 5:27 PM Author: slap-happy deranged box office fat ankles low risk and it's managed? seems really dumb ngl. just put it in VOO to avoid big expense ratios. or is that because you don't have the option to? (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820129) |
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Date: April 15th, 2026 5:29 PM Author: big digit ratio Idk, it's Fidelity, I just chose one thing when I entered the working world 11 years ago and haven't touched it since then. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820139) |
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Date: April 15th, 2026 5:37 PM Author: Umber range not a bad plan but he's right. managed means they take out fees. VOO is ultra low fees and matches the US economy 1:1, which always goes up over time since its inception. Probably a better move to not be paying some douche to click to buy VOO for you. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820164) |
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Date: April 15th, 2026 5:38 PM Author: big digit ratio I remember it being under $100 per year. Maybe "managed" isn't the right word? It's more of a pre-set option, not personalized for me. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820167) |
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Date: April 15th, 2026 5:41 PM Author: Umber range honestly it wasn't a bad move. and in your case, you're not super interested in the stock market, it's not bad at all.
between changing your investment strategy and changing your spending habits, you would be a millionaire by now if you changed your spending habits. if you changed your investment strategy you'd maybe make a little bit more than you have but not much. so probably fine in the grand scheme. |
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Date: April 16th, 2026 7:43 AM Author: territorial hall 401ks typically only offer a handful of options. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821083) |
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Date: April 15th, 2026 5:48 PM Author: burgundy bearded ceo library FXAIX if it’s a fidelity plan, if you want a cheap SP500 index (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820194) |
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Date: April 15th, 2026 5:24 PM Author: Aggressive Selfie how the furk is ur 401k up that much this year? i think QQQ is still flat for year, oh its up 4% (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820120) |
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Date: April 15th, 2026 5:26 PM Author: big digit ratio When I opened it, I remember it kept recommending the high-volatility managed portfolio because I was young, but I chose the low-risk one because no one knows what's gonna happen. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820124) |
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Date: April 15th, 2026 5:27 PM Author: Aggressive Selfie protip: those portfolios are scams they prob raping u on fees but TBF if i had done that shit id prob have 2.5m now (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820130) |
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Date: April 15th, 2026 5:28 PM Author: big digit ratio It's through Fidelity and I think it's less than $100 a year to have them do the stuff automatically. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820137) |
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Date: April 15th, 2026 5:46 PM Author: Aggressive Selfie they may claim $100 but then look at what funds or etf's they pick, often higher exp ratio than fidelity is pretty cheap so maybe its ok (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820183) |
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Date: April 15th, 2026 5:46 PM Author: Umber range Maybe if you're feeling greedy they might have a more aggressive trading strategy you could switch to. Maybe go from low risk to moderate. To be frank, the US economy is like an unstoppable freight train of greatness. Despite what people say in the media and all the negativity, the naysayers, the one thing America is an absolute genius at is capitalism. With my money, substantially less than yours, I bet on American corporations to find new ways to grow their businesses. The odds of me being wrong in the long run are almost zero. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820185) |
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Date: April 15th, 2026 7:19 PM Author: slap-happy deranged box office fat ankles if it's managed, highly doubt it's only $100 (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820446) |
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Date: April 15th, 2026 5:40 PM Author: Umber range they are scams that are 100,000x smarter than anything you have ever done financially. In fact if you had done the same as oomox you would have minimum 3 million dollars right now. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820173) |
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Date: April 15th, 2026 5:46 PM Author: Aggressive Selfie tbf, yes (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820184) |
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Date: April 15th, 2026 5:32 PM Author: big digit ratio Here are the "asset classes," if this means anything to anyone: https://ibb.co/60rst3mS (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820148) |
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Date: April 15th, 2026 5:51 PM Author: Umber range This is a typical hedge fund set up, called a long-short strategy. You're long on equities, short on the market (small percentage), and you have bonds that mitigate risk. This strategy captures the 'beta' of your equities which means it captures the growth of stocks independent of market volatility, i.e., it says you're confident that the companies you're invested in will come up with new ways to make money that don't have to do with the overall economy growing (such as growing population and macroeconomic trends).
I invite you to get a second opinion on this because I can't rubber stamp what I'm saying with a high degree of confidence, so compare notes with someone else before taking any action. |
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Date: April 15th, 2026 5:59 PM Author: big digit ratio Seems like it's doing fine so far. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820222) |
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Date: April 15th, 2026 6:04 PM Author: Umber range I would agree. Very little downside. Just save more per month and add to it. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820239) |
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Date: April 16th, 2026 7:42 AM Author: territorial hall this is gibberish (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821080) |
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Date: April 15th, 2026 7:20 PM Author: slap-happy deranged box office fat ankles that much foreign stock is no bueno (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49820451) |
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Date: April 16th, 2026 2:33 AM Author: Aggressive Selfie Just realized my NW a year ago was 949,852, now it's like 1,368,007 after my pathetic decisions, it shld be above 1.4m still (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821020) |
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Date: April 16th, 2026 2:44 AM Author: Umber range I bet heavily that the market will go up over the next 6 months. I just want you to know that. With as much leverage as I can muster. We're going to the moon friend. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821026) |
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Date: April 16th, 2026 2:45 AM Author: Aggressive Selfie Prob since I just sold 200k of SPY QQQ etc, it will moon 20% at least. My SOXS will become literlaly worthless. Im so furking retarded man (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821028) |
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Date: April 16th, 2026 2:55 AM Author: Umber range There is a way to change your life. You just have to admit to yourself that you are very prone to coming up with imaginative scenarios that are not tied to reality and then believing in them with strong conviction.
I've told this story a few times but during Covid I shorted the market because I began believing a bunch of nonsense. I convinced myself of a bunch of market analysis that simply was not true and I went through what you're going through.
All you can do is shrug your shoulders and admit to being wrong and try and move on. Look, a lot of people are surprised at how quickly the market roared back. I thought this would happen over a longer period of time, but not in two weeks. But that's the magic of the invisible hand that guides markets. It's not Jews or a conspiracy. It's the sum total of investors. It's the general public weighing in and saying we actually believe in the profitability and growth of American corporations. Once the veil was lifted on the fake Iran War economic crisis, people realized woah this stuff is all a lot more valuable than I thought. And once one person believed it, a hundred more did and then a a thousand and so forth. And that's really what happened. The Iran War panic was determined to be a nothingburher. Hence S&P ATH. |
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Date: April 16th, 2026 2:59 AM Author: Aggressive Selfie Yes, totally not tied to reality that Iran War and oil crisis unseen in 50 years wld cause markets to at least tank 20%
This is all manipulated too, lol @ trying to pretend theres any fundamnetals driving this. Its furking Jews, 100%. U are a rat faced demonic Kike if u wont admit that |
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Date: April 16th, 2026 3:33 AM Author: Umber range The People have spoken fren. I have investments in things I neither like nor understand. I own them because other people like them. I own stuff I would never use. But it means something to somebody. That's the ugly truth about stocks. It may not be worth ATH to you. But that's what it's worth to someone willing to pay for it. This is a fundamental reality you must accept. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821042) |
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Date: April 16th, 2026 3:58 AM Author: Aggressive Selfie the ppl havent spoken nigga, common person is buying puts calling a top (as wld normally be obvious given this is a historically numba one rally of all time)
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Date: April 16th, 2026 8:12 AM Author: razzle people who are hurt jfc you dont have to buy PUTS if you think it's the top
i sincerely hope you lose everything and end up back in the WAGE CAGE |
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Date: April 16th, 2026 8:30 AM Author: Aggressive Selfie NIGGA moar puts will maek up for my prior put losses (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821113) |
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Date: April 16th, 2026 11:05 AM Author: violent beta mexican Goddamn I furkin luv you (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821267) |
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Date: April 16th, 2026 11:16 AM Author: razzle people who are hurt great moniker (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821283) |
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Date: April 16th, 2026 1:24 PM Author: violent beta mexican Ty bro (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821460) |
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Date: April 16th, 2026 11:10 AM Author: irradiated irate stage have you heard of this thing called a casino? it might be more in your wheelhouse. (http://www.autoadmit.com/thread.php?thread_id=5857389&forum_id=2...id.#49821277) |