[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]

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

[Raybyrnes]

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

[Raybyrnes]

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

[Raybyrnes]

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

[Raybyrnes]

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

[Raybyrnes]

Multiplepropert

I think you are right. There are people who had money and could not pull the trigger. They missed the run up. You could say it was a speculators market so even if you didn’t have money you could have fudged the paperwork and you would have participated in the run up.

But I think there are enough people who just didn’t have the money or jobs to be able to comfortably think about buying. At some point it just was not prudent.

My father is routinely late to the game. He loves to buy high and sell low. He was all over me to buy in 2004. By this point I had a decison to make. I could have afforded a place but I just couldn’t see how it made sense realative to what I was paying to rent. I also looked at what people earn in San Diego and could not see how alll these homes were being bought. I chose to sit on the sidelines.

So did I miss the boat. You have to know when it is going to take off to actually miss it. By this, one has to have a conscious decision.

If a real estate bubble presents itself again and I choose not to particiapte I would agree with you that I missed the boat.

[Raybyrnes]

Multiplepropert

I think you are right. There are people who had money and could not pull the trigger. They missed the run up. You could say it was a speculators market so even if you didn’t have money you could have fudged the paperwork and you would have participated in the run up.

But I think there are enough people who just didn’t have the money or jobs to be able to comfortably think about buying. At some point it just was not prudent.

My father is routinely late to the game. He loves to buy high and sell low. He was all over me to buy in 2004. By this point I had a decison to make. I could have afforded a place but I just couldn’t see how it made sense realative to what I was paying to rent. I also looked at what people earn in San Diego and could not see how alll these homes were being bought. I chose to sit on the sidelines.

So did I miss the boat. You have to know when it is going to take off to actually miss it. By this, one has to have a conscious decision.

If a real estate bubble presents itself again and I choose not to particiapte I would agree with you that I missed the boat.

[Raybyrnes]

Multiplepropert

I think you are right. There are people who had money and could not pull the trigger. They missed the run up. You could say it was a speculators market so even if you didn’t have money you could have fudged the paperwork and you would have participated in the run up.

But I think there are enough people who just didn’t have the money or jobs to be able to comfortably think about buying. At some point it just was not prudent.

My father is routinely late to the game. He loves to buy high and sell low. He was all over me to buy in 2004. By this point I had a decison to make. I could have afforded a place but I just couldn’t see how it made sense realative to what I was paying to rent. I also looked at what people earn in San Diego and could not see how alll these homes were being bought. I chose to sit on the sidelines.

So did I miss the boat. You have to know when it is going to take off to actually miss it. By this, one has to have a conscious decision.

If a real estate bubble presents itself again and I choose not to particiapte I would agree with you that I missed the boat.

[Raybyrnes]

Multiplepropert

I think you are right. There are people who had money and could not pull the trigger. They missed the run up. You could say it was a speculators market so even if you didn’t have money you could have fudged the paperwork and you would have participated in the run up.

But I think there are enough people who just didn’t have the money or jobs to be able to comfortably think about buying. At some point it just was not prudent.

My father is routinely late to the game. He loves to buy high and sell low. He was all over me to buy in 2004. By this point I had a decison to make. I could have afforded a place but I just couldn’t see how it made sense realative to what I was paying to rent. I also looked at what people earn in San Diego and could not see how alll these homes were being bought. I chose to sit on the sidelines.

So did I miss the boat. You have to know when it is going to take off to actually miss it. By this, one has to have a conscious decision.

If a real estate bubble presents itself again and I choose not to particiapte I would agree with you that I missed the boat.

[Raybyrnes]

Multiplepropert

I think you are right. There are people who had money and could not pull the trigger. They missed the run up. You could say it was a speculators market so even if you didn’t have money you could have fudged the paperwork and you would have participated in the run up.

But I think there are enough people who just didn’t have the money or jobs to be able to comfortably think about buying. At some point it just was not prudent.

My father is routinely late to the game. He loves to buy high and sell low. He was all over me to buy in 2004. By this point I had a decison to make. I could have afforded a place but I just couldn’t see how it made sense realative to what I was paying to rent. I also looked at what people earn in San Diego and could not see how alll these homes were being bought. I chose to sit on the sidelines.

So did I miss the boat. You have to know when it is going to take off to actually miss it. By this, one has to have a conscious decision.

If a real estate bubble presents itself again and I choose not to particiapte I would agree with you that I missed the boat.

[Author]

Posts