How is yours doing? Mine's down a good 10% so far this year.

That's including the $2700 I've contributed so far this year which hasn't helped.

 

down 5.6% for the year

 

YTD, down 5.81...75% aggressive, 25% growth...

 

now would be a good time to increase contributions %'s

 

down 5 and change.

 

+4.71% YTD

+15.11% annualized since 2000

it pays to be correlated

 

Why's that?

 

-2.7%

 

Just taking a stab at this, but since prices have fallen the money you contribute now will get you more. This is if prices do not continue to drop.

 

 

Dosent make sense. Its not like you're buying a huge chunk every time you contribute

 

the idea is that you can buy more shares of x mutual fund or whatever's in your 401k at lower prices.

 

Personal Rate of Return from 01/01/2008 to 03/18/2008 is -2.9%

 

Right, see post #11...again...

 

dollar cost averaging

 

oh, i agree.

but i guess some people will try to take advantage of prices continuing to decrease and hope it adds up over multiple pay periods.

 

Day 1 Price = $15/share
Day 30 Price = $10/share
Day 60 Price = $5/share
Day 100 Price = $25/share

Let's say on Day 30 I contribute $500 & on Day 60 I contribute $500. I would have 150 shares for $1000 invested. On Day 100 my value is $3,750 for the 150 shares.

Let's say I don't invest on Day 30, and invest $1000 on Day 60. I would have 200 shares for $1000 invested. On Day 100 my value is $5000.

Scenario A Profit: $3,750 - $1,000 = $2,750
Scenario B Profit: $5,000 - $1,000 = $4,000

 

You talking about shares, I'm talking about mutual funds. The one's I have haven't lost anywhere near more then 50% like in your scenario. More like 5-3%. Anyway, my point is that I dont think its a significant jump for my to cut into my take home pay, personally, thus I don't see much of an advantage to buying more funds at a few dollars less then what they were...

 

Pumping more money in now isn't going to drastically change the you cost average, but it might just help.

As for my 401k performance... let's just say

 

-6.94%

 

Lots of negative numbers. But overall I am down about 4.91%.

 

a 401k is account is compounded for years and decades, so any savings you get get on shares will only positivly affect your account 30-40 years down the line

 

-9.9%

I might up my contribution to see what values I can get.

 

-6.6% and -11.5% in my two 401k accounts

I'm recently maxed out for th year on my -11.5% one.

 

After everyone else posting a 5% loss, it's nice to see I'm not the only one down 10%.

 

approx up 12.05%. Was 100% aggressive but sold portions in November, December, and January now everything is in a short term bond fund and making very small gains. I'm no expert, but I listen and watch what some of our key guys are doing since I don't have the time myself to keep tabs on everything. I'll watch them for re-entry and sitting tight for now. Good luck!

...starting january, up about 1.7%

 

-3.9% since January 2008. It's balanced enough that I'm not going to worry about it.

 

Mine is at -3.2 ..

 

And the thing is, I can't do anything about it... Every fund offered in my companies 401K plan (thru ING) is in the negatives...

 

I was just looking at mine yesterday, down a good 8% since Jan 1. Oh well, its a long term game.

 

Hopefully the S&P500 will cross over the 50MDA soon. We haven't been over the 50MDA all year.

 

-10.7% since Jan 1, it is what it is.

 

-7.1% Ytd

 

Just got my quarterly statement and I have a return rate of .17%

I'm so happy

 

-1.94% for the year in investments, and up 1.45% in TSP.

 

-5.7% Good times.

 

this year it's barely breaking even, but I have a question.....

I was wondering if I work for a company, that will match 100% up to 3% of my contributions, and 50% of up to the next 2% of contributions. Would it be wise, if I am looking to save for a house, to put the maximum I can afford to save into a 401k, and as a result putting me in a lower tax bracket. Then rolling it over to some type of IRA (which one would I choose?) and withdrawing for first home purchase? I understand 10k is the lifetime limit on withdrawal and I would be subject to income taxes on that but no penalty; is that 10k before or after taxes?

I am only 20 years old, so I do understand that the compounding of interest would be lost. I only have about $1900 saved in there because I only took a 5% salary deduction to take advantage of the free money the company was offering. Would it just be better for me to save for a downpayment via a savings acnt or cd instead of this route?

 

Yeah see the trend? Most everyones is down because the market took a bath in January/Feb. Mine is as well almost 3% from Jan 1st.

 

Mine has stayed around -4.5%

 

Back in black YTD at 1.12%