Quote:
Originally Posted by
idfnl 
EDIT:
You guys forced me to go and look, in fact my return last year was 11% not 7. Phew. I still got outplayed but didn't think it was a blowout. I do more dividend/bond funds than most people do so I expect to lag on + years.
My IRA was going to be huge until AAPL dropped. I was at 35% when it hit 700. Need to calculate it but I think I finished at 25% or so.
This was a good year. I think '13 should be strong.
Well I think we are also both younger than you. I have a token 5% in a total return bond fund (I also have 10% in a high yield bond fund...but junk bonds are a different story).
What are you guys at as far as contributions? I'm at 11% of pre-tax (which is beyond my employer match cutoff) as well as maxing out the Roth IRA.
However, the Roth contribution limit is static which has the effect of every year, a lower % of income goes into the retirement accounts so maybe I should bump the 401k % at some point. Also, things like 401k contributions help keep you eligible for the Roth...you can make big pre-tax contributions to bring your taxable gross below the income limit (otherwise this year is probably the last year I can use a Roth).