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!
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  1. Frugal Bachelor // 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. RacerX // 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