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Guaranteed 4%

Started by cytoman66, January 05, 2019, 08:12:38 PM

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Looking for some advice...  My employer's retirement plan offers a fixed account investment option that guarantees a 4% return.  There are no fees with the account so it's a true 4% return.  My retirement is about 4-5 years away and I'd like to reduce my stock risk and increase my fixed/bond position.  I'm not going to draw from these funds for 10-15 years, so I don't want to get too conservative.  I'd like to keep at least 40% in stocks.

With a 4% guarantee, how much, if any, would you invest in bonds?  What percentage would you invest in stocks/bonds/fixed?


P.S  Great forum Sam!  Thanks for the platform!