My employer is selecting a new financial adviser to run our 401K and I get to serve on the interview committee. My primary objective is to make sure that whoever we select offers a good variety of index funds to choose from (our current 401K offers none and I've been nudging HR about this for a while). But I'm wondering if there are other questions I should be asking too. Each firm being considered already is answering questions about fees, reporting, general investment advice. Any thoughts?
I'm about to make more money than I ever have before. Help me figuring out saving and investing. [more inside]
My employer is beginning to offer a 401k in January. The provider is American. The selection of funds is ... old school: a bunch of managed mutual funds that aim for "growth" with TERs around 0.7-0.9%. I'm totally sold on low cost index tracking funds, so this is disappointing to me, but it's not going to change. I am decades away from retirement. Should I just contribute as normal to the 401k and then hope to roll it over (and change fund allocation) to what will hopefully be a more modern plan at my next employer (in a year or two). Or do I have any other options? [more inside]
I'd like for my company to offer smarter options like Vanguard Funds, but Vanguard doesn't seem to be one of the easy options. [more inside]
I am finally starting to plan for long term financial security and retirement. Good news, I have a pension. My question is, should I feel secure in my pension actually being there when I retire, or should have a separate, backup retirement account? [more inside]
I know about nothing about investments, but would like my 401k to be with a socially responsible investment (SRI) fund. I have an opportunity to recommend one or more funds to the 401k provider for the company I work at. I'm wondering about the best way to do it. [more inside]
There isn't any matching, but my employer does contribute a flat amount. How much of my paycheck should I contribute to this 401k? How should I operate the 401k, and what kinds of investments should I make? How much should I save or invest seperately, in other accounts? Are there any other actions I should be taking, financial or otherwise? [more inside]
The small company I work for doesn’t offer a plan for 401k. Basically you go open a 401k plan wherever you like and fund it with whatever you like. [more inside]
Is there any point in letting my employer open up a 401k even if I have no money to put into it? [more inside]
help a girl figure some stuff out and (hopefully) not be completely SOL when she's old. [more inside]
Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
What is the best way to move money between retirement accounts while I am currently employed so that I can access it and minimize penalties when I go back to school? (Many, many details inside) [more inside]
If I live until retirement age, I don't want to be broke. I am 24 and I want to start saving for retirement now, but I’m unsure how to go about it. I’ve heard good things about Vanguard, but I’m looking for some personal anecdotes and solid advice on how to go about this. [more inside]
I just started a new job at a small business that does not have a company-funded 401k plan. I have 3 old 401k accounts of various amounts from previous jobs. What should I do with that money, and how should I fund my retirement now? [more inside]
I contributed money to several different 401(k)s over the last decade and I have no idea where the accounts are. Help me find my money. [more inside]
I'm going to be taking a 6-month hiatus from contributing to my federal TSP (401K equivalent) account. I know exactly what I am currently contributing each paycheck, and to which funds as a percentage and an actual cash amount. I want to be able to calculate hypothetical returns from an arbitrary date so that I can be sure when I have actually made up for the losses incurred by the break. [more inside]
How can I determine the hidden fees associated with my employee 401k through Prudential? [more inside]
I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
I know timing the market is stupid. My previous attempts at it have never worked out in my favor. My 401K is all index funds. However, with the possibility of Congress going over the 'Fiscal Cliff," it is a horrible idea to go all cash until they get it sorted out? [more inside]
How high was your gross income when you felt able to make the maximum contribution to your 401(k)/403(b)? Is contributing close to half of my already modest income a bad idea? [more inside]
Is it worth it to contribute to my small company's John Hancock 401K, given the high expense ratios and no employee match? [more inside]
My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
Need to pay off upcoming credit card bill. Can I use any of my retirement accounts to pay them off without incurring any fees? [more inside]
What's the best way to save for retirement as a freelancer? [more inside]
How do I find my old retirement account? [more inside]
How to get 401K money back from former employer when you also need good recommendation from them during your job search?
How to get 401K money back from former employer when you also need good recommendation from them during your job search? [more inside]
What is the most prudent way to reallocate one's 401(k) in light of the US downgrade and recent market crash, assuming one has a moderate number of years until retirement and wishes to get a return on investment greater than the typical return of money market funds?
What is a reason that a Roth IRA is be better to put money into if I'm not maxing out my 401k? [more inside]
I'm going to be a part of a due diligence team speaking to the Manhattan financial services firm that manages the retirement plan for a mid-sized company. What should I know before going in? What should I listen for? What should I ask? [more inside]
Should Nationwide have charged me a fee to roll over my 401K to my new employer's plan? [more inside]
Got laid off and while I'm looking for a new job, should I keep putting away money for retirement? [more inside]
What to do with a 'leftover' 401k account? [more inside]
Paying for graduate school out of your 401k. Stupid idea? [more inside]
Where is my money doing me, and the world, the most good right now: going into a 401(k), or going into my wallet and getting spent? [more inside]
Does one reduce risk by investing in mutual funds held by different groups? If I invest in an S&P 500 index fund with both Fidelity and Vanguard is that better than just going with Vanguard? Or is the SIPC protection such that I need not worry about such things? [more inside]
I am trying to figure out how to invest money for retirement and otherwise. I am in my late 20s, earn $55,000 annually, have no debt, and about $90,000 in savings. I am currently putting 5% of my salary into a 403(b) which is the maximum amount my employer will match. [more inside]
How should I evaluate prospective solo 401k providers? [more inside]
I've lost 5% of my 401K in THREE DAYS. What to do? [more inside]
I know you are not my broker. Despite my personal contributions and my employer match, my 401K has 7% less money in it now than it had a year ago, which is, in turn, is 6% less than it had at this time two years ago. I understand that I'm supposed to be in this for the "long haul" but at this rate I'm losing money faster than I can contribute it. How do I fix this? [more inside]
Will opening a Solo 401(k) before year's end reduce my modified adjusted gross income (MAGI)? I'm a 28-year-old freelance worker with a sole proprietorship, and I'd like to be able to fully fund my Roth IRA for 2008 [more inside]
I want to close out my 401k (and pay the necessary taxes) so I can pay off some debt. My 401k says I'm not allowed. Why not? Can I change anyone's mind? [more inside]
Aged 65, still working, have 401K, worried about it, can I move the funds to a self directed IRA money market fund?
Is it a good idea to take out a 401k loan to pay off unsecured credit card debt, and how do these loans work?
The new job I'm at offers a crappy 401K program--no matching at all!! Should I enroll in it or just keep my money and put it into an IRA when I have the minimum?
The new job I'm at offers a crappy 401K program--no matching at all!! Should I enroll in it or just keep my money and put it into an IRA when I have the minimum? [more inside]
A tax question. Our family has experienced a drop in income and an emergency (not medical). I have a 40 thousand dollar 401K retirement fund and want to get 16K out of it. Our family makes 91K gross with two dependents. What will be the tax hit on the 15 k from the retirement fund (so we won't be surprised at tax time). [more inside]
I'm an employee at a small business. I need retirement fund ideas beyond the Roth IRA? [more inside]
I have a 401(k) from a previous employer. What should I roll it into? [more inside]
When must an employer deposit their matching funds in a 401(k) account? I understand that employee contributions must be deposited "as soon as possible", but what about the employer's matching?
my new employer is offering a 401k package via fidelity investments that is, dare I say it, overwhelming to me. I am especially bothered by the fact that the only advise available on said fidelity investment choices is via the nice folks from fidelity investment. so I looked for financial advisors - but how to judge them? [more inside]
I'm confused - I want to plan for my retirement and have got as far as applications for a 401k and a Roth IRA; but then it all goes hideously wrong.... [more inside]
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