401K Monthly Funds Analysis – 10/4/14

Time for me to do my monthly funds analysis. The S&P 500 index (SPY) has turned down so I am mostly out of my 401K funds with the exception of a small portion in Lazard Emerging Markets and that has turned Southwards in a hurry. I am still in it due to fidelity’s rule about being in a fund 30 days. Of course I am down in that fund more than the 1 to 2 % fees redemption fees they charge for getting out quickly, not to mention all the threats about stopping you fund trading (investing). I have purchased PUT OPTIONS ON QQQ to offset any losses on emerging markets but Lazard fund has been on a sharp decline and is not well correlated to QQQ.

In my current employer’s funds the top choices for this month are FID Puritan, S&P Spartan 500 Index ADV and NB MDCP GRTH Trust.  International funds have been taking hard hit. See chart on Fidelity Div Intl. Royce Opportunities is sitting as the worst performer of all our funds.

In my previous employer’s funds, top choices are Fidelity Contra funds, Fidelity Growth and Domini Social EQ and Artisan MidCap Val Instl.

Fidelity Government income has started doing much better, a sign of things to come?