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401k investment help
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Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45686192 added 12-07-2011 8:03 AM by Iczer in Archived Deals
any other suggestions?
401k investment help
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Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45689848 added 12-07-2011 9:30 AM by Iczer in Archived Deals
Thanks, that helped. So now I'm just trying to determine how I want to invest. The target retirement fund sounds good, but is that too conservative at my age? From what I'm reading It looks like...
401k investment help
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Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45691608 added 12-07-2011 10:14 AM by Brian1 in Archived Deals
Good question. "Emerging markets" is today's politically correct way of saying "third-world counties" (yea for political correctness). Emerging markets are high risk with potential high reward. ...
401k investment help
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Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45690602 added 12-07-2011 9:51 AM by Brian1 in Archived Deals
For someone 26 years old, a 90% stock/10% bond allocation would be more appropriate. If you were particularly risk averse, you could go as extreme as a 75% stock/25% bond allocation, but I...
401k investment help
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Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45700254 added 12-07-2011 1:31 PM by Iczer in Archived Deals
Thanks for the info guys, really helped me out a lot. I think for right now I'm just gonna stick with the Target 2050 plan.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45656114 added 12-06-2011 12:41 PM by larrymoencurly in Archived Deals
That's probably about right, but even the smartest experts don't seem to agree to any high degree of accuracy. John Bogle, Jeremy Siegel, and Burton Malkiel are some good authors. Also short term...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45681086 added 12-07-2011 5:16 AM by Iczer in Archived Deals
Ok after further research, my company goes through fidelity and, here's what they match "50% of the participant’s elective pre-tax contributions that do not exceed 7% of pay" So it'd probably...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #46876928 added 01-14-2012 12:33 AM by Cruceh in Archived Deals
I hope I'm not hijacking but I might start putting money into a 403(b). I'm 25 and I'm going to hit a higher tax bracket this year. Is it worth it to put money into the 403 just to stay in my...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45615170 added 12-05-2011 1:08 PM by Iczer in Archived Deals
I saw someone post a similar question, so I didn't want to take over their thread. I'm pretty confused on how to do my contributions. I'm 26, so I'm a little behind on having started retirement. ...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45690320 added 12-07-2011 9:43 AM by vbt in Archived Deals
don't look at highest annual return per year. look at the fees associated with the funds.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45695894 added 12-07-2011 11:46 AM by Iczer in Archived Deals
So to make things easier, if i just do the Target Retirement Fund 2050 then I should be fine? Is this pretty conservative for my age or should it be fine?
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45681766 added 12-07-2011 5:51 AM by jcinc in Archived Deals
Yes, if you don't participate in your company's 401k, you are just throwing away free money. The advice every financial planner will tell you is to at least contribute the maximum amount to take full...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45688422 added 12-07-2011 8:57 AM by Iczer in Archived Deals
So to max out my benefits, I'd set my contribution to 7%? Sorry, i'm just a little confused and trying to understand this so I set this up right.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45637784 added 12-06-2011 3:31 AM by Snyder.698 in Archived Deals
Generally at your age you want higher risk. I doubt any financial expert would advise a 26 year old to have bonds. Granted people are terrified of the stock market right now, but at some point...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45658510 added 12-06-2011 1:40 PM by larrymoencurly in Archived Deals
.....
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45702508 added 12-07-2011 2:30 PM by Brian1 in Archived Deals
A target retirement fund 2050 will be perfectly fine for you.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45699542 added 12-07-2011 1:11 PM by larrymoencurly in Archived Deals
Look at risk versus returns for various asset mixes. Here's a famous graph showing this for mixes of stocks and bonds, from 1980-2004: http://www.mymoneyblog.com/images/0711/stockbond2.gif ...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45638580 added 12-06-2011 4:49 AM by Iczer in Archived Deals
Thanks for the input guys. I"m thinking 5-10% possibly more and I believe my employer will match a certain amount, but I have to look that up to be sure. I'd prefer a more set it and forget it, but...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45627390 added 12-05-2011 7:07 PM by lickeals in Archived Deals
pick your poison: http://www.mymoneyblog.com/equity-asset-allocation-8-model-portfolio-comparisons.html
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #46889862 added 01-14-2012 5:24 PM by tiedyed1 in Archived Deals
As you are 26 years old I would not even recommend bonds at this time. In fact, I will go as much to say that I feel many bond funds will lose money in the next few years. The price of bonds is...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45691434 added 12-07-2011 10:11 AM by Iczer in Archived Deals
I see what you mean on fee's. Some of these Vanguard index's are like .60 for every $1000. I just saw one that was $9.70 for every $1000.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45691198 added 12-07-2011 10:06 AM by Iczer in Archived Deals
Great info, I really appreciate it. It looks like my options are index funds when looking at large, mid, small and international stocks. So for international, the DFA Emerging Markets Value...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45691238 added 12-07-2011 10:06 AM by Brian1 in Archived Deals
75% of capitalism is outside of the United States, so you want to have a good bit of exposure to international markets. That being said, that allocation is fine because, at the end of the day, due...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45642860 added 12-06-2011 7:29 AM by Brian1 in Archived Deals
If you want a set-it-and-forget-it approach, then a target retirement fund is perfect for you. You simply decide when you want to start withdrawing your money (when you're going to retire), then you...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45689228 added 12-07-2011 9:15 AM by throwaySD in Archived Deals
The percentage and matching contribution amount is determined by your company. For example: let's say you make $50,000 per year and: -Your company's 401k is set up to match up to 5% of your...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45681070 added 12-07-2011 5:15 AM by jcinc in Archived Deals
Generally, put 10-15% of your income to your 401k. You can put a maximum of $16,500 a year to take advantage of the tax deduction. At your age, you want 80-90% in stocks, the rest in bonds. Your...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45671814 added 12-06-2011 8:30 PM by Brian1 in Archived Deals
40% in bonds is way too much for someone 26 years old.
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45681230 added 12-07-2011 5:24 AM by vbt in Archived Deals
sounds like you can contribute 14% to get the maximum match(7%) from the employer
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45634700 added 12-05-2011 11:10 PM by Brian1 in Archived Deals
Do you want an easy, set-it-and-forget-it approach or an approach that involves you more? Also, how much do you have available to put into your retirement account each month? By the way, 26 is...
401k investment help
Expired
Thread created 12-05-2011 by Iczer
0 Score 29 Replies 2,806 Views
Post #45617140 added 12-05-2011 2:02 PM by barnz008 in Archived Deals
What's your risk appetite? No, those %ages don't sound right cause you haven't told us how much you're willing to lose. :)

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