*** *** For many of us the money we put into our 401k and the money we grow there will be a primary source of funds to see us through our retirement however we may envision it. The more I...
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Do You make these mistakes in Your 401k
*** *** For many of us the money we put into our 401k and the money we grow there will be a primary source of funds to see us through our retirement however we may envision it. The more I...The 401k Main Menu
The details of the Main Menu of your 401k investment options can be found in your Summary Plan Description. Ask your Human Resources Department for a current copy of this document. In this document you should find the mutual fund choices available to you....401k Investment Advice: How to tell if you or someone you love is in Denial.
Have you ever filed away your 401k account statement without opening it? Have you ever looked at losses in your 401k and assumed your financial problems will magically go away if you just...401k Advice for Your Plan Coming Soon?
TIAA~CREF, is a national financial services organization with $466 billion in combined assets under management (3/31/11) and the leading provider of retirement services in the academic, research, medical and cultural fields. While the news is not about 401k plans, TIAA-CREF is...Think you Can Hit the Right Combination of 401k Investment Choices without Professional Help?
You have accumulated your wealth by virtue of talents other than managing an investment portfolio. You have worked hard in your field and have had the presence of mind to put aside money for...How Technical Analysis Can Keep Your 401k Investments SAFE
The Defined Contribution Plan, most commonly known as the 401k plan, is a perfect platform for the application of technical analysis. What you should know is the main menu of investment options in your plan consist of products. Each...Can 401k Investment Advice Eliminate the “Lottery Effect?”
Let’s be clear on the Lottery Effect.photo © 2010 Seth Anderson | more info (via: Wylio) In so far as no one can really tell you with absolute certainty the value of the stock market at the time you actually...Will Bond Funds be the highest value, 401k investment advice discussion for 2012?
photo © 2006 N1NJ4 | more info (via: Wylio) The Financial Industry Regulatory Authority, Inc., FINRA, released the state-by-state online survey of more than 28,000 respondents (released December 2010) as part of the 2009 National Financial...Are 401k Advisors being Honest about Buy and Hold?
For who is the “Buy and Hold” message directed? The financial industry, particularly in the mutual fund space, has spent millions upon millions of dollars spreading this advertising message. And, in truth, that is all it is ~ an...How Can My Employer Offer Free Investment Advice For My 401k Options?
Let’s be honest here: something for nothing is what we commonly believe to be the definition of free. However, even free offers have a cost. In the area of your 401k plan, your employer will...Look Closely Into All Your Asset Allocation Strategies. Is There Junk In Your Target Date Fund?
I am not a fan of Target Date Funds for two primary reasons. The first reason is the very real disconnect between the theory that bonds should be a part of every...How to assess the Self Directed Brokerage Account (SDBA) option in your 401k Plan.
This article will help you with your initial assessment of the Self Directed Brokerage Account (SDBA) among your 401k investment options, which may include ETFs or exchange traded funds. photo © 2010 Keith Ramsey...The Second Best Rule in Your Arsenal of Ways to Save Money.
Recall we said the number one rule for ways to save money was ~ pay yourself first! Here is the second rule ~ take personal responsibility! What does that have to do with money saving tips?...How Your 401k Options are Impacted by The Philosophy of Your Plan Provider.
Why should I care about the philosophy of my 401k Plan Provider? The short answer is it will impact your money. Quick point, your Plan Provider is the investment bank, bank, or financial services firm...How Rebalancing of the Target Date Fund Among Your 401k Options Really Works.
This is an important enough concept to spend a bit more time explaining. Recall the Target Date Fund in your 401k, in theory, is to protect your retirement savings account by rebalancing your portfolio every...The Risk of a Target Date Fund In Your Retirement Savings Account.
If your 401k plan has been amended to comply with the Pension Protection Act of 2006, which came into effect in January of 2008, you may find yourself as an investor in a Target Date Fund...The risk of Bond Funds among your 401k options.
One of the things I have seen in 401k plans is a scale measuring risk from low to high and the mutual fund choices available in the plan placed in the approximate location on that scale. One example of...Understanding Your 401k Options.
You have taken the first step and resolved to pay yourself first. Good. Now what? photo © 2010 Andrew Steele | more info (via: Wylio) Let’s look at what is inside your 401k. Most plans today have some number of investment choices on the...One of the best ways to save money.
If there is any single idea that will benefit you ~ this is it. Pay yourself first. photo © 2005 Tracy O | more info (via: Wylio) OK, let’s be clear. Paying yourself first does not mean taking money...