and buying one that’s recognized as a good one by money 70.. Will i lose out on selling it low. I’m 25 years away from retirement.
Posts Tagged ‘401k’
Does it make a difference to sell a mutual fund that’s not doing so well in my 401k….?
Posted by admin on May 11th, 2011
Posted in Mutual Funds News 
Tags: 401k, Difference, Doing, Fund, Mutual, sell, thats, well 
3 Comments »401k – RULE OF THUMB contributions?
Posted by admin on May 10th, 2011
401k’s, I believe, have a Rule Of Thumb when choosing the % of your pay and % distributed to funds.
% of your pay may really be what you feel you should put into the entire 401k. Let’s say, $1000.00 a month income. $40.00 into 401k.
Now, what I REALLY want to know is: [...]
401k and mutual funds, during these times should I move my money to safer funds?
Posted by admin on May 6th, 2011
I am 47 years old, and I have inest in equal portions to these 3 funds:
Templeton, Fedility Contra, and Vanguard life Strategies.
401k education: Possible scenarios. Can you help with the answers?
Posted by admin on May 6th, 2011
We have to decide what to do with a 401k ….
We have children, and I am unable to work at the moment. So, his is the only income.
We are trying to plan for retirement and for emergencies at the same time.
When looking at what to allocate to 401k versus emergency savings fund, I find [...]
I have a company matched 401k, Roth, mutual fund and substantial savings what should invest in next?
Posted by admin on May 3rd, 2011
I am 24 yrs old and have roughly $13,000 in 401k, $5,000 in Roth and $11,000 in mutual fund. I also have $28,000 in savings account earning pennies.. I would like to do something with a portion of this amount in savings but would also like to stay liquid because I will be [...]
Posted in Mutual Funds News Tags: 401k, Company, Fund, Invest, matched, Mutual, next, Roth, Savings, should, Substantial 4 Comments »How do you use Microsoft Money to monitor your 401k?
Posted by admin on April 27th, 2011
I’m kind of confused on how to use Money to track my 401k. I have it set where I track my paycheck for all of my deductions and taxes.
1) When I input how much goes into my 401k each check, where do I put the money that employer matches? Do I have to input that [...]
When rolling over a 401k to an IRA, how are the funds in my 401(k) handled?
Posted by admin on April 27th, 2011
When I roll my 401(k) to an IRA do the shares of stock and mutual funds on my 401(k) get directly transferred to my IRA, or do the shares of these funds first get converted to cash and then the cash is transferred to my IRA?
I ask because I’ve just changed to a new job [...]
Frequent trading (short-term)in 401K or IRA, what is the rate of tax?
Posted by admin on April 27th, 2011
I have both 401K and IRA accounts and I typically hold a stock or mutual fund in these accounts for about 2 to 6 months, then sell them and buy another stock or mutual fund (I don’t take cash out, just exchange them within the accounts). I understand that in regular investment account, capital gains [...]
Retirement Planning: What do I do with my 401k and IRA?
Posted by admin on April 23rd, 2011
Fact: My wife & I will retire at 62, won’t live in USA, & will have 3 types of securities-related incomes: my 401k + IRA & her Roth IRA. We have an after-tax-dollars joint mutual fund account. When we reach 62, we’ll apply for Social Security, but the money we might receive is [...]
Should I take a 401k loan to pay off my credit card debts?
Posted by admin on April 21st, 2011
I have credit card debts equal to 15% of the value of my 401k. I can take a loan from my 401k and pay it back over 5 years at 8.5%. Currently my credit cards have a rate 3-5 percentage points above that. I am 30 years old and contribute the max [...]
Is it a good idea not to max-out your 401k?
Posted by admin on April 17th, 2011
I’m thinking just putting 5% of the 15,500.00, into my 401k which will give me the full matching funds from my employer and then putting the rest of the into a tax-efficient mutual fund. I know that when I start to withdrawal from my 401k, I will owe regular income tax on any withdrawals. [...]
I am 25 years old. How much should I have in my 401k?
Posted by admin on April 11th, 2011
I have a 50K balance right now in aggressive mutual funds. This year I will probably max out my contribution ($15,500). I am not eligible for matching yet, but it will be 2.5% (50% of the first 5%).
I want to rollover several old 401k accounts into 1 IRA (e.g., vanguard, fidelity, scottrade), which is best?
Posted by admin on April 9th, 2011
I have several old 401k accounts from my previous employers with vanguard and fidelity. My money in these accounts is mostly invested in mutual funds from Vanguard, T.Rowe Price. I want to consolidate my 401k accounts into one rollover account but not sure which IRA vendor will be best? I am debating [...]
Signing up for 401k through work, which Fund Name to go through?
Posted by admin on April 9th, 2011
I don’t know anything about this stuff and don’t know what Fund to go though. My options are:
American Cash Management Trust of America R4
American Bond Fund of America R4
American Income Fund of America R4
American Washington Mutual Investors R4
American Investment Company of America R4
American New Prospective R4
American EuroPacific Growth R4
High Growth Model
Moderate Growth Model
Balanaced Approach Model
Conservative [...]
Can I tranfer 401K funds within the same mutual fund company without incurring a tax impact?
Posted by admin on April 8th, 2011
For example, I’d like to switch from DWS Stock Index Fund to DWS Large Cap Value Fund. Both funds are managed by Scudder in a 401K. Are there any tax implications?
How about if I transfer company stock to a Scudder fund within the same 401K? In other words, transfer my company stock [...]