I had a reader ask a question of how my 401k was invested. Since I need to review my allocation anyway, I figure why not share with everyone.

I currently invest 5% per paycheck in my 401k and my company matches 3%. This is the maximum amount they will match so I make sure I take advantage of all the "free" money I can.
The current balance in my 401k is $40,839.88 and is invested as follows:

  • 35.21 % Fidelity Diversified International
  • 23.09% Fidelity Low Priced Stock
  • 17.12% Vanguard Total Stock Market Index
  • 14.35% Oakmark Equity & Income
  • 3.89% Vanguard Value Index Fund
  • 2.83% Company Stock
  • 2.68% Fidelity Midcap Stock
  • .71% ABF SmallCap Value
  • .11% Fidelity Dividend Growth
This allocation brought me a return of 8.8% for 2007. Considering the performance of the market last year, I am pretty comfortable with this number.

I started 2007 with a balance of $32,788.64 and after $3,260.95 employee contributions, $2789.33 employer contributions, $2,949.10 in dividends and interest, and $3,068.84 in value appreciation, I ended with $41,903.30. Fees for the year were $4.46.

Important Note: I am not promoting any of the above funds or advocating this investment strategy.
Related Posts:

Where did my 401k money go?
My 401k is Kicking Butt!
If you've enjoyed this post or reading about my personal finance journey, please subscribe to SingleGuyMoney. Be sure to visit SingleGuyMoney to leave a comment or for more great articles.


  1. ... // January 5, 2008 at 10:42 AM  

    Your portfolio beat mine by 0.1%. I have 4 different funds, mainly emerging markets and large-cap, with a bit of small-cap and mid-cap.

  2. Noel Larson // January 5, 2008 at 2:16 PM  

    The important thing to recognize is that at your age you are taking advantage of your match. At most companies less than 50% do!

    Good for you!

  3. JW // January 5, 2008 at 9:37 PM  

    WOW!! I wish I had that much in my 401k. You are doing great in my eyes.

  4. SingleGuyMoney // January 6, 2008 at 8:17 AM  

    *frugal bachelor: Congrats on your increase.
    *jw: Thanks