[BrokeAssMillionaire]

I am not expert so don't follow me to death. I really never get into bonds. What I heard from my coworker is stock up bond down, stock down bond up. He did try 50% of bond and made some money but wasn't gain much. If he follows me for high risk in mutual funds, he would gain more by now. It was like I gain 90% while his gain is around 40%. All my accounts and individual Roth are in mutual funds: Large, Mid, and Small caps. These are kept until 60 so I keep buy and forget, don't bother to touch it. I guess I was lucky because I bought when it low, otherwise; it may not gain much. Only the recently that not gain much. You can see my previous post on page 4 that gains from 18% to 117%. The 117% gain was bought over 10 years I think. I am more interest in Mid and Small caps than Large cap. Even in my 401k, I have 60% of Mid, 20% of Small, and 20% of Large caps. 

As far as quarterly Investment Performance Reports of my 401k, I have seen Mid and Large have equally gain more than Small cap. 

-Target plans: 5-10%
-Bonds: 6-7%
-Large cap: 11-12%
-Mid cap: 11-12%
-Small cap: 12-14%
-International: 9-10% <----- I have 5% in here, this was the bad one in the last 20 years. (gain then loss, and keep repeating)

Don't forget, the more you gain, the more you loss too if stock is down because these are high risk. One of my coworker jumps in/out so he didn't gain much because when stock is up too fast, he is scared to get in so he stuck in cash saving 401K that gains only from 05-1.5%. I believe it was when Trump became president and he heard the news that stock will go down ....lol.... I just didn't care and didn't touch anything. So when Trump was in office, some of us gained over 200k while he gained nothing. During 2016-2020, Large Mid and Small caps gained from 18%-23%. That was the best years I have ever seen.

Note: The bold text gives you the idea:
Why I am in high risk? This would NOT work for you if you don't have pension so DON'T try in high risk like me.  Even I lose all in 401k and stock to 0$, I am still able to survive with pension.   So these funds are just a bonus for me with/without it.

Alright, get ready for new year. The year of dragon. I think it would be the best year of stock. I can't wait to see the DOW reaches 40K pts. That's where I reach my dream goal.