Introduction
It is my personal finance research. I continuously study personal finance, and there are so many projects to work on starting from Nov. 2018. Finally I have time to work on my par tech 401K, and then I learn that I should have taken risk and put those fund in growth fund starting from 2007.
Case study
It is the first time since Par tech changed to Charles Schwab and I had time to look into what are available funds starting from 2010 to now. It is nine years. I can not explain what is my issue. Ignorance, arrogant, and I do not have a husband and a boy friend to remind me to review the account, download statement every year, show some interview to learn how to rebalance the account, and learn some strategy like three buckets shown in Morningstar Christian.
I just was busy with all kinds of activities and do not know that my job is to grow those fund in 12 years, double at least. TRBCX fund is one of funds available for me to purchase any time, no minimum, the performance from 2010 to 2019 is 10 year 14%. If I move the fund into TRBCX, I should have 5 times more value.
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