- 401k Investments

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401k Investments...

Perfect Pie Approach

Your money gets divided into 3 equal parts:

  • Real Estate

  • Stocks

  • Bonds

Why?

  • You get complete diversification

  • You won't be over invested in the stock market

  • You won't have too much money in bonds

  • You will be exposed the the real estate market

  • It's amazingly inexpensive

Step 1 - Buy Real Estate

1/3 of your assets should be in real estate. If you own your home, the equity you have in it is included in the piece of the pie. If you don't own a home or the equity in your home doesn't equal 1/3 of your total assets then you need to have real estate added to your portfolio.

Easiest way is REITs or Real Estate Investment Trusts. REITs have outperformed stocks for 25 years!

Start with a REIT Index Fund

iShares Cohen & Steers Realty Majors Index Fund (ICF)

iShares Dow Jones U.S. Real Estate Index Fund (IYR)

Visit www.ishares.com or call 800-474-2737

If your 401k plan is not yet offering ETFs, you can substitute a basic real estate fund.  If your plan doesn't offer a real estate fund, contact your plan administrator and ask why.

 

Top-Performing Real Estate Funds
Fund Ticker Rating Fund Type 1 Week Total Return
Ultra Real Estate ProShares URE U ETF 13.31%
ProFunds Real Estate UltraSector ProFund REPSX C+ Open-End 9.90%
John Hancock Funds II - Real Estate Sec Fund JIREX U Open-End 8.03%
DWS RREEF Real Estate Securities Fund RRRAX B+ Open-End 8.01%
SSgA Tuckerman Active REIT Fund SSREX A Open-End 7.87%
Old Mutual Heitman REIT Fund OBRAX B+ Open-End 7.80%
iShares FTSE NAREIT Residential Index Fund REZ U ETF 7.74%
ING Real Estate Fund CRARX C+ Open-End 7.67%
iShares Cohen & Steers Realty Majors Index Fund ICF C+ ETF 7.66%
Morgan Stanley Real Estate Fund REFBX C- Open-End 7.51%
Source: Bloomberg

http://www.thestreet.com/funds/ratings/10360159.html

Step 2 - Buy Stocks

1/3 of your assets are going to be in stocks. Mutual funds offer instant diversification, professional money management, efficiency, liquidity, and don't fluctuate much.

next - How to Buy a Home & Pay it Off Early

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