401k choices

[amdda01]

Gang,

New to PP and trying to figure out 401k choices.

Should I do cash?

SSgA Government Money Market Fund
Seeks to provide the safety of principal and current income offered by short term US Government securities. Primarily invests in direct obligations of the US Treasury, US Government agencies, repurchase agreements, and money markets with maturies of 13 months or less. Expense ratio = .75%

Or bonds?

SSgA US Bond Index Fund
Seeks to maximize total return by investing in fixed-income securities, including, but not limited to, those represented by the Barclays Capital US Aggregate Bond Index. The fund invests at least in 80% of total assets in debt instruments. It primary invests in debt instruments rated investment-grade or better. The fund may also invest in various fixed-income securities and money market funds, in order to manage its cash. Expense ratio = .70%

Thanks!

[KevinW]

I'm not sure I understand your question.

The first fund sounds like a good choice for the PP cash allocation.

The second fund is an intermediate bond fund; the PP doesn't use intermediate bonds.

[foglifter]

Looks like your 401(k) choices are based on SSgA products. If you have SSgA S&P 500 Index Fund in the list of offered funds I'd use it for the equities. This is a common issue with most 401(k) plans: no gold and no LTTs, so the simplest choice would be to use your 401(k) for stocks and cash and then use other accounts (IRAs and taxable) for bonds and gold.