Year-to-Date 401(k) Return

I usually don’t check my 401(k) account until the time to update the net worth and even at that time, I didn’t look at the return because, first, I simply forgot to check and, second, I won’t make any change before the year end, no matter how good or bad the return is. But tonight, I logged into my 401(k) account at Fidelity and found that the year-to-date return is 8.4%, slightly ahead of the S&P 500, which has increased about 8% so far this year.

I have a very simple portfolio in my 401(k) account, with only four funds

and the Fidelity Real Estate Investment (FRESX) was only added early this year to give it a little more diversification. For this portfolio, most of the diversification come from Fidelity Freedom 2035 (FFTHX), which is a targeted retirement fund. An instant X-ray from Morningstar shows the asset allocation of my 401(k) as

with an expense ratio of 0.89%.

The two small-cap funds were added because FFTHX itself doesn’t have enough small-cap exposure (only about 5%). Overall, about 20% are invested in small-cap companies, 21% in mid-cap, and 59% in large-cap. However, I still feel that the 20% in small-cap is a little bit low and would like to see it at 25% level at least. This will be the task of rebalancing at the end of the year.

This article was originally written or modified on . If you enjoyed reading this post, please consider subscribing to my full RSS feed. Or you can also choose to have free daily updates delivered right to your inbox.

Author Info

This post was written by Sun You can find out more about Sun and his activities on Facebook , or follow him on Twitter .

Comments are closed.