It's better for the long run though, considering you are paying a lot into that interest.
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Yeah and I've actually got the interest down as I had a local bank buy out the loan for me.

Not sure how I worked that out
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0
5 (just so you can put into the market on a downturn)
55
30
10

I'll point out that I'm aggressive on investing, but I think everyone should be.
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I was thinking very similar to Rainman here.

0
10
50
20
20

I like going near 20% for foreign stock as that sector has lagged the US market for a better part of a decade. Cheaper buying options with hopefully a higher ceiling for gains. I too am more aggressive and sit 95/5 stocks to bonds in my portfolio.
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I'm close to that

0
0
60
30
10
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That's kind of pretty close as to how I would structured it.

5
5
40
40
10
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I keep wanting to put more into international, but man, it's been lagging forever. It's got to come back at some point, right? Right?
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Your guess is as good as mine but as I said, a DECADE! A fucking decade. It can't do it for another decade can it? Can it?!?!
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It all depends on what the mutual fund is. Most 401s have one mutual fund for international stocks, and looking even at the US, if an international fund consisted of the international equivalent of GE, Steel Stocks, and utility companies it would lag hard.

I'd want to see what the prior performance was or at least some more info before I stuck much in there.

Most companies are much more refined about US companies.
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How old are you? I think you're not old enough to have been an investor in the 80s when Japan was taking over the world. Well, it's still down 50 percent from its peak ... in 1989. I've been wary of international stocks for years because of this, and can't figure out why Japanese stocks aren't a huge bargain.


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I thought of putting some more into the International, but I haven't seen much evidence that it will produce a high return rate, so I'm just skeptical about adding more into it. The C fund has been killing it for me though, so I'm good for now. I'll eventually will add more into the I Fund if it starts to show some promise. The last two months though, the I Fund got me a gain of 740, which is higher than the C or S Fund, so maybe it may start producing?
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Well, the good news is that it has recovered since the 2008 crash, but the question begs, will it now continue to climb steady? Will it ever reach the peak that it once reached in 1989? Or will it crash again?
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I was not alive in the early 80's.

Still probably shitting my pants by the late 80's.

I do understand your point. It's a small tilt to my portfolio that will either pay off in better gains, or if not, at least it's still a rather small portion of my portfolio when considering the difference between 10% or 20% in foreign funds.
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The fund I invest in is the T.Rowe Price International fund.

Recent performance.
1 Year 19.05%
3 Years 4.29%
5 Years 9.88%

10 largest holdings:
AIA Group
Bayer
CK Hutchison Holdings
Nestle
Nippon Telegraph & Telephone
Priceline
Roche Holding
Shire
Taiwan Semiconductor Manufacturing
Tencent Holdings
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FUUUUUUUUUUUUUUUUUUUUU*******

Do your homework, though, your IRA may be doing better than 7.

How long are they amortized?
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