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I started my 401k right before the pandemic and randomly choose the following. I figured I change it all later.
My Rate Of Return was 14.85% Annualized, 1/24/2023 to 1/24/2026?
I realize I need to start rebalancing. Here is was it currently has...
BlackRock Global ESG Equity Index Fund $22,243.66
Wells Fargo ESOP Fund $18,855.91
Core Bond Fund $17,575.53
BlackRock Liquidity Treasury Instl $9,168.34
Wells Fargo Stable Value Fund $8,971.41
Emerging Markets Equity Fund $7,909.28
State Street Emerging Mkts Index A $7,872.57
State Street International Index M $7,276.49
State Street Target Retirement NL CI A $5,085.73
State Street Russell Sm Cap Index NL CI K $4,339.84
Large Cap Value Fund $3,972.65
State Street Sep Mid Cap Index NL CI M $3,947.92
State Street Nasdaq 100 Index NL CI M $3,110.67
State Street Sap 500 Index Fund NL CI M $2,939.73
State St Target Ret 2055 NL CI A $2,892.27
State St Target Ret 2060 NL CI A $2,892.11
State St Target Ret 2050 NL CI A $2,877.52
State St Target Ret 2045 NL CI A $2,846.77
State St Target Ret 2040 NL CI A $2,811.37
I came up with the following...
Stocks – 75% (~$101k)
U.S. Large Cap – 40%
State Street S&P 500 Index Fund
≈ $53,846
International Developed – 15%
State Street International Index M
≈ $20,192
Emerging Markets – 10%
State Street Emerging Markets Index A
≈ $13,462
U.S. Small / Mid Cap – 10%
State Street Russell Small Cap Index
≈ $13,462
Defensive – 25% (~$33.7k)
Core Bonds – 15%
Core Bond Fund
≈ $20,192
Stable / Cash-like – 10%
Wells Fargo Stable Value Fund
≈ $13,462
Is this a good allocation?