How should I invest in my 401K to get the most out of it?

I have no idea what how to distribute? However, I do like to play it somewhat safe. Any help is greatly appreciated!

Ready Assets Prime Money Fund
Invesco Van Kampen Equity and Income Fund - Class R
BlackRock S&P 500 Index Fund - Investor A Class
BlackRock Global Allocation Fund, Inc. - Investor A Class
Fidelity Advisor Small Cap Fund - Class T 15
Ivy Asset Strategy Fund - Class Y
Delaware Diversified Income Fund - Class A
Victory Established Value Fund - Class A
BlackRock Inflation Protected Bond Portfolio - Investor A Class
Thornburg International Value Fund - Class R4
BlackRock Equity Dividend Fund - Investor A Class 35-40
Goldman Sachs Growth Opportunities Fund - Class A
Invesco Van Kampen Comstock Fund - Class A
MainStay Large Cap Growth Fund - Class A
BlackRock Large Cap Core Fund - Investor A Class
Ivy International Balanced Fund - Class Y
Victory Special Value Fund - Class
BlackRock Large Cap Growth Fund - Investor A Class
Aberdeen Global Natural Resources Fund - Class A

Answer:


If you are looking to invest safely I would start by putting 25% in the Ready Asset Prime Money Fund. If the market drops about 20% then you can move that into your other choices.

Fidelity Small Cap Fund has not been a good fund. Avoid that one.

Victory Established Value Fund. The name is somewhat misleading. This is not actually a value fund but it is a good fund. 25%

Invesco Van Kampen Equity and Income. Not a great fund. About average but relatively safe. 25%

Aberdeen Global Natural Resources Fund. This one should be a no brainer but its record is very poor. Must be poor management. Avoid it.

Black Rock Large Cap Core Fund. Another dog. Avoid it. Holding are not what I would call core holdings and its performance is poor.

Ivy Asset Strategy Fund. Not a bad fund. It is better than it appears. Holds some gold. Holds some international stocks. 25%

Delaware Diversified Income Fund. This has been a real good fund, but it is a bond fund and bonds are due for a fall. Avoid it.

Those are the best of the bunch that you were presented with in my opinion. One of the problems with 401k accounts is many times the selection is not great.