401k 401k: Compare Our 401k Balances With Others In America (blog)

Compare Our 401k Balances With Others In America

US News has a very interesting article that shows various interesting statistics on account balances Americans hold in his/her 401k accounts. If you are one of those people that always wonder how your 401k nest egg compares to others ... that someone in their 20s earning $20,000 - $40,000 a year has ON AVERAGE $6,700 in their 401k. Now, let’ [more...]

Date: 2007-08-28 15:11:18
Blog: Personal Finance Blog b...

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Thursday Morning Roundup - 401K, Found Money, & Don’t Use A Shopping Cart

Our 401K has been on our mind a lot lately. Mr. Not Made Of Money’s employer is changing the plan administrator so our investment choices are ... recently: Generation X Finance writes that your 401K is not a savings account. An informative article dealing with the correct way to view a 401K plan - it’s for retirement and not a savings account [more...]

Date: 2007-06-21 12:19:18
Blog: Save Money - A Personal...

Open Question: Contributing to a 401K?

Open Question: Contributing to a 401K? After 4 years with my current employer, I decided to take another job elsewhere. My 401K that I acquired while there is performing VERY well. I was wondering though ... to the fund…. What should I do? I am now doing contract work and as such do not have a 401K [more...]

Date: 2007-10-02 02:58:07
Blog: Finance and investment ...

ROTH 401K - What is it Good For?

If you have read the previous two posts in this series, you already know why we dumped ING as our old 401K provider, ... like to write about one of these features in more detail: our ROTH 401K option. Much like ROTH IRAs, a ROTH 401K allows employees to contribute after-tax dollars, however, the money is tax free [more...]

Date: 2007-07-04 14:00:37
Blog: Money and Such...

Don’t Rollover Your 401K

Don’t Rollover Your 401K This is a Devil’s Advocate post ... roll over their 401k’s when they leave their job but a lot of folks have recently been asking me, since I had just gone through the process, who they should roll their 401k over to (I wish with Vanguard [more...]

Date: 2007-04-23 12:02:07
Blog: Blueprint for Financial...

No Guarantees With Your 401k

The other day I had an opportunity to have a conversation with a gentleman that had worked for a well-known company and suffered a substantial loss ... stock. With my own 401k plan, I invest a very small percentage in my company’s stock ... in his 401k, resulting in a much more tight budget when he accepted the early retirement package [more...]

Date: 2007-09-12 22:08:37
Blog: My New Choice...

Why Opening A Roth IRA Is Best For You

If you have to choose between contributing to a 401K or a Roth IRA, then the clear answer is pick the 401k especially if the company is matching ( ... % rate of return. Moreover, you can save up to $15,000 per year and the contributions are taken ... such as working in restaurants, delivery companies, or schools that don’t offer 401k retirement [more...]

Date: 2007-06-18 07:23:59
Blog: FILAM Personal Finance ...

My 401k Options, Part 2

As we go through my 401k options, I will analyze each fund offering. I am starting at the most conservative (money market and bond) ... . You can also read the previous post on a money market fund. The next fund on my 401k’s list is Fidelity ... money market funds, largely because they typically pursue strategies aimed at producing higher yields [more...]

Date: 2007-04-24 14:00:18
Blog: Personal finance at KMu...

Preparing Financially to Go Solo

I haven’t touched on the self-employed and owning your own business angle in my Career & Money series yet, ... from listening in. While you can’t beat a hefty company match in your 401K, if you are self-employed ... of the term “Solo 401K Plan” which Khalfani talked about. A Solo 401K is available to owner [more...]

Date: 2007-04-25 19:41:35
Blog: Queercents...

Keeping TIPS in my 401k?

Now that I came up with an AA I am comfortable with, I need to figure out where to hold my TIPS and Bonds ... there or my Bond Fund? Are there any downsides to holding my TIPS in my 401k? This is what I am thinking ... . 87% of my funds are in a taxable account, 13% are in a Solo 401k. I have decided I'm most [more...]

Date: 2007-09-29 20:28:28
Blog: Early Retirement Forum ...

401K Matching and Vesting

Copyright © 2006-2007 Clever Dude. All Rights Reserved. Shadox from Money and Such wrote up an excellent article about 401k Matching Pitfalls. After waiting for a year before my employer began matching contributions, I finally began contributing to my 401k this past May (my 1 year anniversary at my company). I really should have taken [more...]

Date: 2007-07-05 13:19:40
Blog: Clever Dude Personal F...

The 401K System Makes No Sense

This is the fifth and final post in my 401K week series. In my previous posts this week I covered everything from ROTH 401K, to company matching funds, to some of the new features in my company’s new 401K plan. However, today I want to take three steps [more...]

Date: 2007-07-06 16:05:51
Blog: Money and Such...

Quality Links - July 30 2007

Some articles worth a read or two, or even three times over: John Chow discusses how the Progressive Income Tax is Backwards, ... sense, the best I thought was the first on where should you place more money, into your 401k or Roth? Max your company’s match program with your 401k, than max the Roth, than go back to the 401k [more...]

Date: 2007-07-30 20:58:10
Blog: Investing Online Made ...

My 401k Options, Part 12

As we go through my 401k options, I will analyze each fund offering. I am starting at the most conservative (money market and bond) ... at the last fund in my 401k plan, Legg Mason Value FI (LMVFX). Here’s a fund snapshot: The investment seeks long ... investment grade. This is mostly a large cap, growth oriented fund. However [more...]

Date: 2007-07-18 03:15:19
Blog: Personal finance at KMu...

Introduction from new member…

Introduction from new member… September 30th, 2007 Hi there! Just found these boards and looking to get involved ... with no PMI (escrow included in first mortgage). Savings: 401k: ~$42,000. I am contributing 5% of paycheck into 401k to maximize employer match. There are no 401k loans at the present. This gives [more...]

Date: 2007-09-30 21:53:58
Blog: Retirement, Retirement ...

Microsoft - Surviving First Three Weeks as a Remote Employee

Today the business cards arrived, making me (in my own mind, and likely that of my extended family, as well as strangers on a plane) ... of my old employer - for a while, and still does in places. Then there's all the direct deposit, 401k, etc ... ://paystub. Want your 401k? Visit http://401k. Ev [more...]

Date: 2007-09-29 04:33:43
Blog: Scott Hanselman's Compu...

Predicting the Future: Where Will Tax Brackets Go In Thirty Years?

I try very hard to avoid political discussions on The Simple Dollar because it often winds up in partisan bickering, ... out the 15.5K 401K limit. If you can’t hit this limit, that means taking a tax hit on the contributions means you can put less in a Roth 401K. If your tax is 25%, the choice is between 10% in a 401K or 7.5 [more...]

Date: 2007-06-21 16:00:19
Blog: The Simple Dollar...

401K Loan

Sorry for all the money talk but you can tell what my mind is focused on lately! ... of your 401k plan might be a good alternative. Apparently, all of the interest goes back into your 401k account. The only problem is that if you leave your employer you must pay off the loan within 30 days [more...]

Date: 2007-09-22 12:50:47
Blog: Confessions of a Jersey...

Savings

Minyanville answers a question about the safety of someone’s 401K: ... to be equated with “savings.” Money in a 401k is investment money. Even money in a money market fund is, by definition, investment money. If the goal in your 401k is to avoid all losses, and it sounds [more...]

Date: 2007-08-17 16:01:34
Blog: Suburban Guerrilla ...

Blocking,Tackling..... And Contributing To Your 401k

The Automatic Millionaire guy David Bach points out some of the basics in his recent column. Retirement really does hinge on contributing regularly to your 401k. If you want to be successful-max out that plan each year. Take a look at your 401k statement this month and try to boost [more...]

Date: 2007-09-30 11:48:21
Blog: Rollover Ira, 401k and ...

401k Lump Sum Contribution: Dollar Cost Averaging Looking Good Right Now

I’ve been really bad at regularly making contributions to my Self-Employed 401k from Fidelity ... have enough money both buy a house and contribute to the 401k, (2) we’ve may not buy right away anyhow ... , I am definitely still going invest my money into the stock market… but should I do it all at once [more...]

Date: 2007-09-15 13:19:09
Blog: My Money Blog - Persona...

Dislike Your 401K? Join the Club

My first unscientific blog poll closed last week, and here are the results ... with their 401K plans surprised me. I was expecting a distinct majority of people that would vote against ... . The simple question I asked my readers was: "Are you happy with your company's 401K [more...]

Date: 2007-08-23 14:34:00
Blog: Money and Such...

401k to IRA Rollover Decision Process, Prosper Lending Review

I’m swamped today, so here are some posts from the past that fill requests from my suggestion box: My 401k to IRA Rollover Decision Process Part 1 - Stay put with old 401k? Part 2 - Roll over into Fidelity? Part 3 - What about Vanguard? Part 4 - My Final Decision Although this was done two [more...]

Date: 2007-09-14 13:20:46
Blog: My Money Blog - Persona...

Six Roth IRA and 401K Questions Everyone Asks

By everyone I mean random people who reach the site via Google, ... very well be wrong! Should I put more into my 401k or open Roth IRA? The general consensus is that you should contribute enough into your 401k in order to earn the company match, if one is offered [more...]

Date: 2007-07-30 10:46:01
Blog: Blueprint for Financial...

Introduction from new member...

Hi there! Just found these boards and looking to get involved ... . Montly payment is $212 with no PMI (escrow included in first mortgage). Savings: 401k: ~$42,000. I am contributing 5% of paycheck into 401k to maximize employer match. There are no 401k loans [more...]

Date: 2007-09-30 19:55:43
Blog: Early Retirement Forum ...

How to Invest Your 401K Funds

In my role as a member of my company's 401K committee, I have recently had conversations about the topic of 401K asset allocation with a number of people in my company. I discovered that people don't really know how to invest their retirement money [more...]

Date: 2007-09-21 14:37:00
Blog: Money and Such...

My 401k Options, Part 6

As we go through my 401k options, I will analyze each fund offering. I am starting at the most conservative (money market and bond) ... and yield. Good news for my 401k: this looks like a decent option. Let’s compare returns: Vanguard’ [more...]

Date: 2007-05-30 01:43:15
Blog: Personal finance at KMu...

Financial Review

So, the fed cut 50 base points and the stock market went totally apeshit. The up shot is that the last recorded 4.8% return on my 401k ( ... to ditch my company stock (the only individual stock in my 401k, because they only pay their 3% match ... about a buy), and she died right after we had the home inspection done. Simple as that. Any man who does [more...]

Date: 2007-09-24 18:20:01
Blog: Simplicity is Clarity ...

Changes to 401k Contributions and Canadian Tax Returns

Favourite reader “Telly” left a comment on her “Living and Working in Different Countries” post regarding a recent change to the taxation laws which ... into force on Jan. 1, 2008. Basically, employee contributions to a US pension plan (401k ... : (1) A resident of Canada is employed in the U.S., and contributes to an employer-sponsored pension plan [more...]

Date: 2007-09-28 09:00:09
Blog: Quest For Four Pillars ...

401(k)’s IRA’s & Urban Myths

In a recent post, Retirement — A New Class Being Created, I predicted a new class of retiree living a life tied to their free and clear home, ... - what tax bite do you speak of? Early withdrawal? I was under the impression that so long as a 401k ... for what it was — pure urban myth. Chuchundra said: If you have a standard, pre-tax 401K or IRA, you pay [more...]

Date: 2007-05-29 15:05:10
Blog: BloodhoundBlog: Real e...

401k/403b Rollovers: Reasons To Stay Put With Your Old Employer’s Plan

One of the most common questions I get from people when they find out that I like personal finance is “What should I do with my 401k/403b/457 plan from my old job?” My own 401k rollover decision process was one of my first blogging topics ... , and so I think it’s a good time to do a more in-depth series on 401k (and similar) rollovers [more...]

Date: 2007-07-17 08:35:03
Blog: My Money Blog - Persona...

Stephen Colbert in the Zeitgeist - “He’s Back!” edition.

It’s a whole new world now that ‘The Break’ is over… do you think the producers know what kind of withdrawls we go through? ... Stephen’s 401K idea, check yourself into the looney bin. Tax avoidance should never be the deciding ... Here’s the zeitgeist for April 10, 2007. 401K a Write Off? Well, thanks for bringing us back [more...]

Date: 2007-04-10 21:10:03
Blog: No Fact Zone.Net » Step...

Yes, There Are Educated People Who Think Like This

Over the last couple of weeks, on separate occasions, I met at least two guys who must have *never* read anything about personal finance, ... through 401K and other retirement related savings options. Friend 1: 401K is “great”? But, doesn’ ... or retirement, or health insurance. Interestingly, these are in my close-friends-circle…people [more...]

Date: 2007-04-14 17:19:13
Blog: Money, Matter, and More...

Money Mistakes to Avoid - Procrastination

Why do today what you can put off until tomorrow? If that is your motto then this post is for you! ... a decision. A great example of this is not signing up for a 401k plan because you’re not sure which ... of employees don’t participate in their 401k plan or contribute enough to get the company match. I’ve [more...]

Date: 2007-08-13 12:08:32
Blog: Money Smart Life...

499 Laptop

499 Laptop September 8th, 2007 by admin Again a Dram Can ‘ t Pause:Keywords: profession switch, vital jobs, midlife obstacles, stint at asylum, ... dental method and a 401k. As a beginning of detail, when Doug joins the ranks of the unit computer ... momentarily really in addition impost - deferred cash matter what ‘ s hailed a Onliest 401k than he [more...]

Date: 2007-09-09 03:21:19
Blog: Anyware Computer Access...

Retirement Planning - It’s Not Just About 401k’s and IRA’s

Retirement Planning - It’s Not Just About 401k’s and IRA’s 24 09 2007 by Mariette This past year was a real eye opener for me ... or even need help looking after myself should I need major surgery like a hip replacement. Even if I were married or had children, I still couldn’t guarantee that there would be someone to help [more...]

Date: 2007-09-24 03:16:31
Blog: The Boulevard to Retire...

- Can Your Emergency Fund Actually Create an Emergency?

Is an Emergency Fund Overrated? Many financial advisors preach that establishing an emergency fund equal to 3 – 6 months worth of ... so you are probably failing to fund your 401K or other retirement vehicle to the fullest extent you could. That means, in the case of a 401K, there's a good chance you're leaving your employer's [more...]

Date: 2007-07-13 14:19:25
Blog: Debt Free...

Keeping a Level Head in a Down Market - Should you Stay the Course?

Recently, Trent from The Simple Dollar, one of the best personal finance bloggers I read wrote, Basic Investing In A Down Market ( ... about her 401K investments in this market. Trent suggested that she sell her holding and wait out this wild ... is not the right plan for a 401k plan. A fabulous, though heated, discussion ensued in the comments [more...]

Date: 2007-08-28 13:55:14
Blog: Lazy Man and Money ...

The Simple Secret of Investing

What’s the single most important factor in the value of an investment portfolio? Some might say risk or diversification ... 4 mutual funds and setup my 401k was the turning point in my investing portfolio. While that first action ... dollars in 4 different mutual funds. Many funds have a minimum but if you’re investing through a 401k [more...]

Date: 2007-05-16 12:28:16
Blog: Money Smart Life...

Why Employees Don't Come to HR When 401k Balances Are Down 10%

If you follow the Business page or even the news in general, you know we have been in the midst of a downturn in the stock market ... of their 401k. I checked mine, and it was down about 8% overall for the three-week period ending last Friday ... their accounts and the related news during market corrections, is that the best investment approach [more...]

Date: 2007-08-21 09:33:00
Blog: The HR Capitalist...

10 Ways To Organize and Simplify Your Finances

I came across The Sun’s Financial Diary’s post asking the question: Should We Simplify Our Finances? ... probably have worked at many companies at this point — which means, a bunch of scattered 401K accounts ... or roll them into your current 401K plan. How about all those checking or savings accounts at various [more...]

Date: 2007-04-30 14:40:05
Blog: Money and Personal Fina...

It's our money not yours

Liberally conservative has a great breakdown of an article by Rahm Emanuel, Illinois congressman and former Clinton lackey, ... of language is so 1984. It was never your money to invest in a 401k........ it's the "government's ... 401k plans and to force all people to fund them. While I would expect that type of socialist [more...]

Date: 2007-09-13 15:16:07
Blog: taxmanblog...

INFLATION PROOF SAVINGS - PART I

Author by Tom La Falce Why would anyone want to put their hard earned money into Precious Metals or Numismatic Coin Savings Program rather than a Traditional Savings Account, Investment, 401K or Retirement or College Fund? A very good question ... to save money the Traditional Way through Banks, Bonds, CD’s, 401K’s, IRA’s, using certain Stocks [more...]

Date: 2007-09-26 06:58:20
Blog: Fresh Articles ...

Money, Rotten Neighbors & a Sweet Boy

Some of you may remember the trouble I had with my new neighbor when I moved into my condo ... for all of you. I have a small 401k sitting at my old company. It’s roughly $3,000 and seems to be building. I’m looking ... . Is it worth it to have the extra safety net? I also have another 401k sitting at an old job. It’ [more...]

Date: 2007-10-02 14:48:46
Blog: She became a butterfly...

Harnessing the Power of Social Networks

Back when I was independently wealthy (the short time between college and marriage) ... for my family. So, I put money in my company’s 401K plan, took out a Roth IRA and purchased some stocks ... about the stock market– I’m out of it except for my 401K, but in watching it I’ve noticed that there’ [more...]

Date: 2007-09-26 18:30:28
Blog: MInTheGap...

Healthcare.... where we're headed (or are we already there?)

Health care... again. I sat in on some information this morning regarding the health care environment we have in the U.S ... gone. Pension plans defined the benefit the retiree would receive at retirement age. 401k plans ... pay is unlimited). We are headed towards a 401k mentality where employers say they will contribute [more...]

Date: 2007-10-01 17:53:54
Blog: Both Right...

The Truth About Variable Annuities

There are a lot of financial products which receive some negative attention, such as gold and whole-life insurance, ... . The biggest advantage is that you can invest money tax deferred with out yearly limits much in the way you can with 401k or IRAs. In all cases it makes sense to shelter your money with a 401k first [more...]

Date: 2007-08-20 17:05:08
Blog: FinanceIsPersonal.com -...

The Wife Finally Gets A 401K At Work; Our Finances Rejoice.

My wife has been teaching at a private school for years now, and up until recently it was a pretty small place ... in a 401K. Her boss is going to match 4% her pay, which is pretty good for such a small company. And even though we invest in Roth IRA’s and mutual funds, we will take free money any day of the week [more...]

Date: 2007-09-26 11:30:52
Blog: My Two Dollars...

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