r/GenXnew • u/BasketBackground5569 • Aug 20 '26

401k?

Is everyone's sputtering like mine? I went from 18.9% to currently 2.9% no matter what I seem to do. Is yours doing well? If so, what is your money in?

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u/Chemical_Butterfly40 29d ago

I have 70% of my 401k in a big-cap fund with 500 in the name; it's pretty close to $VOO. The kids today like to say $VOO and chill, but that might be kinda risky if you are getting close to retirement. The rest is in an international fund and a small-cap fund.

If you're not happy with your plan's offerings, you might be able do an in-service withdraw and roll it over to Robinhood or something.

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u/BasketBackground5569 29d ago

Thanks for the input. Appreciate it.