Why is it?

[moneymaker]

Why can’t I invest my 401k where I want to? There are certain individual stocks that I think will do well going forward. Yet my 401k only gives me choices of mutual funds, bonds, and other averaged equities. What if I would like to invest in commodities or gold or whatever. I know when I leave my employer I can transfer it into an IRA, but why should I be penalized choice wise because I’m still with my employer? OT-Does anybody out there feel like they are enabling the market?

[UCGal]

I hear you. My employer has the crappiest slim selection of 401k choices possible. It totally sucks.

[UCGal]

I hear you. My employer has the crappiest slim selection of 401k choices possible. It totally sucks.

[UCGal]

I hear you. My employer has the crappiest slim selection of 401k choices possible. It totally sucks.

[UCGal]

I hear you. My employer has the crappiest slim selection of 401k choices possible. It totally sucks.

[UCGal]

I hear you. My employer has the crappiest slim selection of 401k choices possible. It totally sucks.

[HLS]

Perhaps it is because the entire 401K premise is a scam? A phony sense of security encouraged by the bandits in govt helped along by lobbyists for Wall Street.

Any idea how much is being raked off the top in management fees regardless of whether the investor ever makes a single penny ?

It’s a serious consideration to put after tax money where you want it rather than being told where to put your pre-tax dollars.

If your 401K money was invested in rental real estate after tax instead in the right areas, the depreciation might rival the lost money.

I’d say that most people really don’t realize how big of a ponzi scheme the stock market is, and have just been brainwashed to believe “diversify & you’re in it for the long run” Wonderful advice from investment “professionals”

[HLS]

Perhaps it is because the entire 401K premise is a scam? A phony sense of security encouraged by the bandits in govt helped along by lobbyists for Wall Street.

Any idea how much is being raked off the top in management fees regardless of whether the investor ever makes a single penny ?

It’s a serious consideration to put after tax money where you want it rather than being told where to put your pre-tax dollars.

If your 401K money was invested in rental real estate after tax instead in the right areas, the depreciation might rival the lost money.

I’d say that most people really don’t realize how big of a ponzi scheme the stock market is, and have just been brainwashed to believe “diversify & you’re in it for the long run” Wonderful advice from investment “professionals”

[HLS]

Perhaps it is because the entire 401K premise is a scam? A phony sense of security encouraged by the bandits in govt helped along by lobbyists for Wall Street.

Any idea how much is being raked off the top in management fees regardless of whether the investor ever makes a single penny ?

It’s a serious consideration to put after tax money where you want it rather than being told where to put your pre-tax dollars.

If your 401K money was invested in rental real estate after tax instead in the right areas, the depreciation might rival the lost money.

I’d say that most people really don’t realize how big of a ponzi scheme the stock market is, and have just been brainwashed to believe “diversify & you’re in it for the long run” Wonderful advice from investment “professionals”

[HLS]

Perhaps it is because the entire 401K premise is a scam? A phony sense of security encouraged by the bandits in govt helped along by lobbyists for Wall Street.

Any idea how much is being raked off the top in management fees regardless of whether the investor ever makes a single penny ?

It’s a serious consideration to put after tax money where you want it rather than being told where to put your pre-tax dollars.

If your 401K money was invested in rental real estate after tax instead in the right areas, the depreciation might rival the lost money.

I’d say that most people really don’t realize how big of a ponzi scheme the stock market is, and have just been brainwashed to believe “diversify & you’re in it for the long run” Wonderful advice from investment “professionals”

[HLS]

Perhaps it is because the entire 401K premise is a scam? A phony sense of security encouraged by the bandits in govt helped along by lobbyists for Wall Street.

Any idea how much is being raked off the top in management fees regardless of whether the investor ever makes a single penny ?

It’s a serious consideration to put after tax money where you want it rather than being told where to put your pre-tax dollars.

If your 401K money was invested in rental real estate after tax instead in the right areas, the depreciation might rival the lost money.

I’d say that most people really don’t realize how big of a ponzi scheme the stock market is, and have just been brainwashed to believe “diversify & you’re in it for the long run” Wonderful advice from investment “professionals”

[scaredyclassic]

well, hold on. the concept I think is that you’re supposed to be protected from yourself, and to be gently guided into historically safe choices. Move with the herd, and you will probably be ok, the experts say. if the plans offered contrarian choices, or long shots, they might be open to lawsuits for offering crappy advice int he event the contrarian view didn’t pan out. I think it’s just one of those things where the plan, by its very nature, cannot be a free selection, because the plan organizer has a fiduciary duty to educate you and move you toward non-stupid decisions. the problem is, the herd could be running for a cliff.

[scaredyclassic]

well, hold on. the concept I think is that you’re supposed to be protected from yourself, and to be gently guided into historically safe choices. Move with the herd, and you will probably be ok, the experts say. if the plans offered contrarian choices, or long shots, they might be open to lawsuits for offering crappy advice int he event the contrarian view didn’t pan out. I think it’s just one of those things where the plan, by its very nature, cannot be a free selection, because the plan organizer has a fiduciary duty to educate you and move you toward non-stupid decisions. the problem is, the herd could be running for a cliff.

[scaredyclassic]

well, hold on. the concept I think is that you’re supposed to be protected from yourself, and to be gently guided into historically safe choices. Move with the herd, and you will probably be ok, the experts say. if the plans offered contrarian choices, or long shots, they might be open to lawsuits for offering crappy advice int he event the contrarian view didn’t pan out. I think it’s just one of those things where the plan, by its very nature, cannot be a free selection, because the plan organizer has a fiduciary duty to educate you and move you toward non-stupid decisions. the problem is, the herd could be running for a cliff.

[scaredyclassic]

well, hold on. the concept I think is that you’re supposed to be protected from yourself, and to be gently guided into historically safe choices. Move with the herd, and you will probably be ok, the experts say. if the plans offered contrarian choices, or long shots, they might be open to lawsuits for offering crappy advice int he event the contrarian view didn’t pan out. I think it’s just one of those things where the plan, by its very nature, cannot be a free selection, because the plan organizer has a fiduciary duty to educate you and move you toward non-stupid decisions. the problem is, the herd could be running for a cliff.

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