RNWGX

christinathestorygrl

So how should I reallocate my 401k? I'm really spooked by the Japanese bonds stuff, insurance companies underwriting AI build out and all the other shenanigans that Patrick Boyle et al have been discussing for months. It sure feels like an economic catastrophe is coming. I know in my guts AI is going to hugely underdeliver and we're going into a bubble-burst ala 2008, [dot.com](http://dot.com), and so on. I don't see any reason to believe the US economy and/or market will recover quickly after a big correction or crash when we aren't actually making stuff people want to buy. I really feel like it's time to be fearful while the rest of the world is being greedy, to borrow from Buffet. My stats: 46 years old, single, USA Employed, $57,000-ish a year, contributing 5% to 401k to maximize employer match. Hoping to protect and grow my 401k until 66-ish. Current allocations: * Principal Fixed Income Guaranteed Option - 11.19% * Fidelity Advisor Capital & Income I Fund - 23.65% * Fidelity OTC Fund - 7.82% * Vanguard Explorer Admiral Fund - 10.70% * [American Funds New World R6 Fund](https://secure05.principal.com/RetirementServiceCenter/memberview?page_name=investmentdetail&cat_name=indv&MODE=QUOTE&ticker=RNWGX&SYMBOL=RNWGX&inv_name=American%20Funds%20New%20World%20R6%20Fund&InvestmentNumber=11212&rc=20&InvTypeQualifier=1&contract_num=527100&id_num=NFhkRGFlaCtWd2RWWWNFWGNFUW81UWZlSFVrYm1abGUyRW5OOFgyY3ZaQT0) \- 16.6% * [Invesco International Small-Mid Company R6 Fund](https://secure05.principal.com/RetirementServiceCenter/memberview?page_name=investmentdetail&cat_name=indv&MODE=QUOTE&ticker=OSCIX&SYMBOL=OSCIX&inv_name=Invesco%20International%20Small-Mid%20Company%20R6%20Fund&InvestmentNumber=14455&rc=20&InvTypeQualifier=1&contract_num=527100&id_num=NFhkRGFlaCtWd2RWWWNFWGNFUW81UWZlSFVrYm1abGUyRW5OOFgyY3ZaQT0) \- 13.47% * [Vanguard Developed Markets Index Admiral Fund](https://secure05.principal.com/RetirementServiceCenter/memberview?page_name=investmentdetail&cat_name=indv&MODE=QUOTE&ticker=VTMGX&SYMBOL=VTMGX&inv_name=Vanguard%20Developed%20Markets%20Index%20Admiral%20Fund&InvestmentNumber=12822&rc=20&InvTypeQualifier=1&contract_num=527100&id_num=NFhkRGFlaCtWd2RWWWNFWGNFUW81UWZlSFVrYm1abGUyRW5OOFgyY3ZaQT0) \- 16.57% I also have about $12k in a RothIRA, with VTI - 32% and then the rest were individual stocks that were probably pretty stupid (REITs, etc, recommended by SeekingAlpha). However, PM - 9% and PLTR - 7.17% are doing well! No consumer debt but about $85k left on a 3.8% condo mortgage, equity in condo is probably $80-90k. A 50k emergency fund in a 4% high-yield savings account, 7k in a one-year CD. My mother passed away last year and TECHNICALLY my brother and I have each inherited about 700k in rental properties, but I don't consider that "mine," per se; my mother's trust bypassed my dad to avoid a second wife stealing the properties from her kids, but with the understanding I would make sure he was comfortable for the rest of his life. He's in amazingly great health at 74; super active. It would be spiritually maddening to see my 401k drop 30-50% or more and take a decade or more to recover when so many signs were pointing to a crash. I'm willing to consider even really counterintuitive, somewhat crazy options, like withdrawing the $72k I'm allowed to cash out of the 401k, taking the penalties and tax hits, and, like, putting it towards my mortgage and/or physical gold and/or Bitcoin. Thanks so much!

OhhSlash

my options are VEXRX, RNWGX, CSEIX, VOT, VSIAX. doesn’t look like i’m able to choose any other funds

OhhSlash

my options are VEXRX, RNWGX, CSEIX, VOT, VSIAX. after further investigation these don’t seem ideal. doesn’t look like i’m able to choose any other funds.

jeanpate2

One more thing. This is Templeton EMF fund — you could do the same with RNWGX ( https://api.wsj.net/api/kaavio/charts/big.chart?nosettings=1&symb=RNWGX&uf=0&type=1&size=4&style=350&freq=1&time=20&rand=1110777348&compidx=aaaaa%3a0&ma=0&maval=9&lf=16777216&lf2=0&lf3=0&height=635&width=1045&mocktick=1 ) Templeton EMF fund, JM Hurst band on quarterly datas. https://i.postimg.cc/1tSjMXZT/EMF.png