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45 posts tagged with retirement and 401k. (View popular tags)
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Quick! I need help opening my first 401k and I can pick my own funds!

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]
posted by Driven on Jul 1, 2014 - 8 answers

Is it better to live on ramen at age 26 or 66?

Is there any point in letting my employer open up a 401k even if I have no money to put into it? [more inside]
posted by geegollygosh on May 27, 2014 - 14 answers

explain retirement to me like i'm 5.

help a girl figure some stuff out and (hopefully) not be completely SOL when she's old. [more inside]
posted by koroshiya on Mar 18, 2014 - 20 answers

Please help me organize my investments and finances! (401k Rollover!)

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]
posted by PetiePal on Mar 18, 2014 - 8 answers

MFAaaaaay 401Kaaaay PHDeeeeee IRAaaaay

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]
posted by rock'em sock'em puppets on Feb 27, 2014 - 7 answers

Wanted: Savvy retirement advice for a struggling youth

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]
posted by Driven on Dec 2, 2013 - 17 answers

An IRA in the hand is worth 2 401ks in the bush?

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]
posted by thirdletter on Oct 13, 2013 - 7 answers

Found money? I hope so

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]
posted by anonymous on Sep 9, 2013 - 10 answers

I need a hypothetical returns calculator for TSP funds.

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]
posted by jsturgill on Jul 4, 2013 - 4 answers

That's no 401k, that's my mother-in-law!

How can I determine the hidden fees associated with my employee 401k through Prudential? [more inside]
posted by taltalim on May 8, 2013 - 6 answers

401k/Roth undisclosed "Forfeiture Fee" halves retirement rollover. Help!

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]
posted by iheijoushin on Mar 11, 2013 - 8 answers

Timing The Market Is Always a Bad Idea, Right?

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]
posted by COD on Dec 4, 2012 - 23 answers

How much is enough (retirement savings)?

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]
posted by anonymous on Nov 9, 2012 - 15 answers

Is it worth it to contribute to my company's 401k?

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]
posted by anonymous on Jul 21, 2012 - 6 answers

Retirement fund fun!

My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
posted by erstwhile on Jun 15, 2012 - 9 answers

Early retirement account withdrawal

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]
posted by AngryTypingGuy on Jun 11, 2012 - 5 answers

What's the best way to save for retirement as a freelancer?

What's the best way to save for retirement as a freelancer? [more inside]
posted by sharkfu on Sep 28, 2011 - 6 answers

Where, oh where did my retirement go?

How do I find my old retirement account? [more inside]
posted by mrfuga0 on Sep 13, 2011 - 11 answers

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]
posted by anonymous on Sep 6, 2011 - 25 answers

Stocks and bonds and downgrades... oh my.

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?
posted by I EAT TAPAS on Aug 8, 2011 - 5 answers

What is a reason that a Roth IRA is be better to put money into if I'm not maxing out my 401k?

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]
posted by elif on Jun 30, 2011 - 23 answers

Retirement Plan Due Diligence?

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]
posted by anotherpanacea on Dec 13, 2010 - 10 answers

Fees for rolling over 401k funds?

Should Nationwide have charged me a fee to roll over my 401K to my new employer's plan? [more inside]
posted by jsturgill on Jul 7, 2010 - 5 answers

Retirement Contributions While Unemployed/Job Hunting

Got laid off and while I'm looking for a new job, should I keep putting away money for retirement? [more inside]
posted by gov_moonbeam on Apr 5, 2010 - 10 answers

What to do with a leftover 401k account?

What to do with a 'leftover' 401k account? [more inside]
posted by bookdragoness on Aug 30, 2009 - 9 answers

Paying for graduate school out of your 401k. Stupid idea?

Paying for graduate school out of your 401k. Stupid idea? [more inside]
posted by falameufilho on Jul 3, 2009 - 8 answers

Should my recession dollars go into my 401k, or my wallet?

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]
posted by logovisual on Feb 17, 2009 - 15 answers

Does one reduce risk by investing in mutual funds held by different groups?

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]
posted by grouse on Feb 9, 2009 - 7 answers

How should I invest for retirement?

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]
posted by anonymous on Dec 2, 2008 - 11 answers

Picking the right solo 401k provider

How should I evaluate prospective solo 401k providers? [more inside]
posted by gsh on Nov 17, 2008 - 2 answers

at this rate I'll have a downpayment for a nice shack in hooverville left.

I've lost 5% of my 401K in THREE DAYS. What to do? [more inside]
posted by Kellydamnit on Sep 17, 2008 - 32 answers

How do I stop the bleeding?

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]
posted by anastasiav on Sep 16, 2008 - 17 answers

MAGI May (Be Headed North of $100k)

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]
posted by anonymous on Jun 26, 2008 - 1 answer

Why can't I close out and withdraw from my 401k? Any way out?

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]
posted by anonymous on Jun 9, 2008 - 14 answers

Safety for a 401K

Aged 65, still working, have 401K, worried about it, can I move the funds to a self directed IRA money market fund?
posted by Freedomboy on Apr 28, 2008 - 5 answers

Money for money

Is it a good idea to take out a 401k loan to pay off unsecured credit card debt, and how do these loans work?
posted by chickaboo on Apr 1, 2008 - 22 answers

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]
posted by misanthropicsarah on Nov 6, 2007 - 23 answers

401K Emergency withdrawel?

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]
posted by anonymous on Jul 21, 2007 - 6 answers

Where to stash retirement funds?

I'm an employee at a small business. I need retirement fund ideas beyond the Roth IRA? [more inside]
posted by cschneid on Mar 1, 2007 - 9 answers

What's with all these retirement plans?

I have a 401(k) from a previous employer. What should I roll it into? [more inside]
posted by SpecialK on Feb 27, 2007 - 9 answers

401(k) employer matching

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?
posted by blue_wardrobe on Jan 18, 2007 - 7 answers

how do I find a great financial advisor?

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]
posted by krautland on Aug 28, 2006 - 19 answers

It was all going so well...

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]
posted by forallmankind on Aug 13, 2006 - 19 answers

Will I be penniless when I'm 80?

How can I start saving for retirement when my career will likely take me from the USA to New Zealand? I wish to benefit from the tax-free nature of a saving scheme like the 401k plans, but I do not expect to spend all that much of my career (or lifetime) in the USA. Is there any way to move 401k savings to a similar scheme in New Zealand without losing it all to the tax penalties for early withdrawal? Are there any cunning alternatives? [more inside]
posted by -harlequin- on Jan 4, 2006 - 11 answers

401K Investments

InvestmentFilter: So I'm permanent now at work, and have to pick a 401k option. I don't think i'll be there for many years, and cashed out the last time I had one. (But then again, i'm older now, and 70 is only 31 years away).What do you guys suggest for a 1-3 year timeframe, 401k-wise, given the fluctuating market? (If I need to, I have absolutely no qualms about cashing out again, and have never had much faith in the market at all, in general.) [more inside]
posted by amberglow on Jan 29, 2004 - 23 answers

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