401k advice

[meadandale]

Company sponsered 401k’s can be a crap shoot if their investment offerings are limited.

I’m a conversative investor. I manage a self-employed 401k for myself and alot of my money is in US market index funds (e.g. s&p 500, wilshire 5000). Frankly, my US index funds have gotten battered this year. I’ve done much better in my non-us index type funds (SE asia and worldwide). You’ll have to weigh your options with your employer and see what you can find that is worthwhile.

Frankly, employer sponsered 401k’s these days suck. With 3-5 year vesting periods (who works for their employers that long in this market) you’ll end up forfeiting much of their match in most cases.

[Newblet]

Ya the company money is not 100% vested until I’ve been there for 5 years. Being 24 I have a hard time predicting where I’ll be by that time. Right now I can’t make more money elsewhere directly because of Boeing making lots O planes (I don’t work for Boeing, but they’re our largest customer). I suppose if the Boeing gravy train stops flowing my profit-sharing will shrink up and it would be much easier to make money elsewhere. So if you guys know if Boeing might start to tank within the next 5 years it could affect my 401k investment strategy.

[Newblet]

Ya the company money is not 100% vested until I’ve been there for 5 years. Being 24 I have a hard time predicting where I’ll be by that time. Right now I can’t make more money elsewhere directly because of Boeing making lots O planes (I don’t work for Boeing, but they’re our largest customer). I suppose if the Boeing gravy train stops flowing my profit-sharing will shrink up and it would be much easier to make money elsewhere. So if you guys know if Boeing might start to tank within the next 5 years it could affect my 401k investment strategy.

[Newblet]

Ya the company money is not 100% vested until I’ve been there for 5 years. Being 24 I have a hard time predicting where I’ll be by that time. Right now I can’t make more money elsewhere directly because of Boeing making lots O planes (I don’t work for Boeing, but they’re our largest customer). I suppose if the Boeing gravy train stops flowing my profit-sharing will shrink up and it would be much easier to make money elsewhere. So if you guys know if Boeing might start to tank within the next 5 years it could affect my 401k investment strategy.

[Newblet]

Ya the company money is not 100% vested until I’ve been there for 5 years. Being 24 I have a hard time predicting where I’ll be by that time. Right now I can’t make more money elsewhere directly because of Boeing making lots O planes (I don’t work for Boeing, but they’re our largest customer). I suppose if the Boeing gravy train stops flowing my profit-sharing will shrink up and it would be much easier to make money elsewhere. So if you guys know if Boeing might start to tank within the next 5 years it could affect my 401k investment strategy.

[Newblet]

Ya the company money is not 100% vested until I’ve been there for 5 years. Being 24 I have a hard time predicting where I’ll be by that time. Right now I can’t make more money elsewhere directly because of Boeing making lots O planes (I don’t work for Boeing, but they’re our largest customer). I suppose if the Boeing gravy train stops flowing my profit-sharing will shrink up and it would be much easier to make money elsewhere. So if you guys know if Boeing might start to tank within the next 5 years it could affect my 401k investment strategy.

[Raybyrnes]

Newblet

There is a wide range of 401k’s. Many times you can gain access to institutional funds that you would not generally entry into otherwise. You can also gain access to closed funds.

My suggestion is that a 401k is part of a savings strategy. I don’t try and over diversify each retirement account. IE 401 K Roth Ira Investment account. Instead I try to identify the best fund choices I have by aggreagating all options and then diversifying from there.

With respect to 401k’s I am generally positive about them. I think you should always try to max both the 401k an the Roth IRA’s. While there are other psoter who will say that 401K’s are not that great a deal the bottom line is taht even a bad 401K is tough to beath when you weigh in the matching contribution and the deferred tax benefit.

With respect to proper analysis. I would start by looking at the sectors, morningstar ratings, management tenure, 1,3,5,10 performance, management fees, Beta(measure of volititlity and risk) alpha, which give an indication of positive or negative movement in a flat market, and last I would glance over the holdings.

Like a routine checkup I would review you holding twice a year to make adjustments. Put it on a calender today so that you ahve something that gets you to sit down and go through the exercise.

If this is too much work consider the lifestyle funds whick will add a layer of expense but will free you from teh exercise of reviewing this stuff on an ongoing basis.

I would deal with this less except for the fact that I paid a lot of money to go to school and learn this stuff and feel I would be wating that money if I didn’t use some of my education.

[Raybyrnes]

Newblet

There is a wide range of 401k’s. Many times you can gain access to institutional funds that you would not generally entry into otherwise. You can also gain access to closed funds.

My suggestion is that a 401k is part of a savings strategy. I don’t try and over diversify each retirement account. IE 401 K Roth Ira Investment account. Instead I try to identify the best fund choices I have by aggreagating all options and then diversifying from there.

With respect to 401k’s I am generally positive about them. I think you should always try to max both the 401k an the Roth IRA’s. While there are other psoter who will say that 401K’s are not that great a deal the bottom line is taht even a bad 401K is tough to beath when you weigh in the matching contribution and the deferred tax benefit.

With respect to proper analysis. I would start by looking at the sectors, morningstar ratings, management tenure, 1,3,5,10 performance, management fees, Beta(measure of volititlity and risk) alpha, which give an indication of positive or negative movement in a flat market, and last I would glance over the holdings.

Like a routine checkup I would review you holding twice a year to make adjustments. Put it on a calender today so that you ahve something that gets you to sit down and go through the exercise.

If this is too much work consider the lifestyle funds whick will add a layer of expense but will free you from teh exercise of reviewing this stuff on an ongoing basis.

I would deal with this less except for the fact that I paid a lot of money to go to school and learn this stuff and feel I would be wating that money if I didn’t use some of my education.

[Raybyrnes]

Newblet

There is a wide range of 401k’s. Many times you can gain access to institutional funds that you would not generally entry into otherwise. You can also gain access to closed funds.

My suggestion is that a 401k is part of a savings strategy. I don’t try and over diversify each retirement account. IE 401 K Roth Ira Investment account. Instead I try to identify the best fund choices I have by aggreagating all options and then diversifying from there.

With respect to 401k’s I am generally positive about them. I think you should always try to max both the 401k an the Roth IRA’s. While there are other psoter who will say that 401K’s are not that great a deal the bottom line is taht even a bad 401K is tough to beath when you weigh in the matching contribution and the deferred tax benefit.

With respect to proper analysis. I would start by looking at the sectors, morningstar ratings, management tenure, 1,3,5,10 performance, management fees, Beta(measure of volititlity and risk) alpha, which give an indication of positive or negative movement in a flat market, and last I would glance over the holdings.

Like a routine checkup I would review you holding twice a year to make adjustments. Put it on a calender today so that you ahve something that gets you to sit down and go through the exercise.

If this is too much work consider the lifestyle funds whick will add a layer of expense but will free you from teh exercise of reviewing this stuff on an ongoing basis.

I would deal with this less except for the fact that I paid a lot of money to go to school and learn this stuff and feel I would be wating that money if I didn’t use some of my education.

[Raybyrnes]

Newblet

There is a wide range of 401k’s. Many times you can gain access to institutional funds that you would not generally entry into otherwise. You can also gain access to closed funds.

My suggestion is that a 401k is part of a savings strategy. I don’t try and over diversify each retirement account. IE 401 K Roth Ira Investment account. Instead I try to identify the best fund choices I have by aggreagating all options and then diversifying from there.

With respect to 401k’s I am generally positive about them. I think you should always try to max both the 401k an the Roth IRA’s. While there are other psoter who will say that 401K’s are not that great a deal the bottom line is taht even a bad 401K is tough to beath when you weigh in the matching contribution and the deferred tax benefit.

With respect to proper analysis. I would start by looking at the sectors, morningstar ratings, management tenure, 1,3,5,10 performance, management fees, Beta(measure of volititlity and risk) alpha, which give an indication of positive or negative movement in a flat market, and last I would glance over the holdings.

Like a routine checkup I would review you holding twice a year to make adjustments. Put it on a calender today so that you ahve something that gets you to sit down and go through the exercise.

If this is too much work consider the lifestyle funds whick will add a layer of expense but will free you from teh exercise of reviewing this stuff on an ongoing basis.

I would deal with this less except for the fact that I paid a lot of money to go to school and learn this stuff and feel I would be wating that money if I didn’t use some of my education.

[Raybyrnes]

Newblet

There is a wide range of 401k’s. Many times you can gain access to institutional funds that you would not generally entry into otherwise. You can also gain access to closed funds.

My suggestion is that a 401k is part of a savings strategy. I don’t try and over diversify each retirement account. IE 401 K Roth Ira Investment account. Instead I try to identify the best fund choices I have by aggreagating all options and then diversifying from there.

With respect to 401k’s I am generally positive about them. I think you should always try to max both the 401k an the Roth IRA’s. While there are other psoter who will say that 401K’s are not that great a deal the bottom line is taht even a bad 401K is tough to beath when you weigh in the matching contribution and the deferred tax benefit.

With respect to proper analysis. I would start by looking at the sectors, morningstar ratings, management tenure, 1,3,5,10 performance, management fees, Beta(measure of volititlity and risk) alpha, which give an indication of positive or negative movement in a flat market, and last I would glance over the holdings.

Like a routine checkup I would review you holding twice a year to make adjustments. Put it on a calender today so that you ahve something that gets you to sit down and go through the exercise.

If this is too much work consider the lifestyle funds whick will add a layer of expense but will free you from teh exercise of reviewing this stuff on an ongoing basis.

I would deal with this less except for the fact that I paid a lot of money to go to school and learn this stuff and feel I would be wating that money if I didn’t use some of my education.

[Raybyrnes]

Fund looks a little pricy. Brandes is a solid management companay. Why don’t you get all the choices and throw them up on the board to see how others might put it togetehr if they wer in your shoes. Assume that this is your only investment. Would be a faily decent exercise.

[Raybyrnes]

Fund looks a little pricy. Brandes is a solid management companay. Why don’t you get all the choices and throw them up on the board to see how others might put it togetehr if they wer in your shoes. Assume that this is your only investment. Would be a faily decent exercise.

[Raybyrnes]

Fund looks a little pricy. Brandes is a solid management companay. Why don’t you get all the choices and throw them up on the board to see how others might put it togetehr if they wer in your shoes. Assume that this is your only investment. Would be a faily decent exercise.

[Raybyrnes]

Fund looks a little pricy. Brandes is a solid management companay. Why don’t you get all the choices and throw them up on the board to see how others might put it togetehr if they wer in your shoes. Assume that this is your only investment. Would be a faily decent exercise.

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