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Australian almost/quasi/kinda self-managed super fund?

I'm a freelancer. I don't yet have enough in my super to make it worthwhile converting to a self managed super fund due to the management costs. Or so I believe. But I figure I have the time to weather some major market wobbles, so I would like my super to be a more aggressive. Is there anyone offering some kind of buffet style super, and with reasonable management fees? The more fine-grained/wider choice the better, though I don't think I need to be picking particular stocks. And if not, I'd be interested in anyone's favourite high growth super funds, or insights into the cost of SMSFs.
posted by hifimofo on Apr 6, 2014 - 2 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

Help me start saving for retirement (U.S.)

I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
posted by likeatoaster on Feb 20, 2014 - 14 answers

It takes a (retirement) village. Or does it?

My dad-in-law and his wife are getting ready to chunk out the $ to move into a retirement place. I'm looking for input about these kind of "all inclusive" retirement places, their financial setups, and possible alternatives for them. [more inside]
posted by ecorrocio on Jan 18, 2014 - 22 answers

Financial Planning Advice for a Financially Clueless Expat

I am a 29 year old American expat, living and working abroad in BRICs for nearly 6 years now, who needs help in getting my financial act together. Due to limitations of my company- I have not been able to contribute to a 401(k) for at least five years now, and in the last few years my salary has exceeded $135k/year, so I can't even contribute to a Roth IRA. As far as I can understand, there isn't really anything more in the basic United States system for retirement that I can take advantage of… so now what? Am I really on my own now? Are there any websites with info geared towards this? Or should I get a financial/wealth planner? Or an "expat" tax accountant? Or both? How do I even start to find one? I have no idea what to look for! [more inside]
posted by anonymous on Nov 5, 2013 - 9 answers

Should I dump money into my retirement index fund if the market craters?

I have a bunch of money I've been wanting to dump into a low-fee index fund all year. (It's my retirement account.) I've been holding off because of the whole budget/debt ceiling business that's been going on all year. It looks like events will be coming to a head this week. If the market totally craters, would that be a good time to buy? [more inside]
posted by evil otto on Oct 13, 2013 - 16 answers

Money, money, mon-ey. Mo-ney. (on a Mac and iPhone?)

I’m looking for a money management app for Mac that also syncs with iPhone. What do you use and why? (I’ve looked here on Metafilter and found little to nothing that’s recent). [more inside]
posted by brokeaspoke on Aug 15, 2013 - 10 answers

Is the stock market's real long-term return just 2 percent?

I was looking around for information on long-term investment planning and I ran across this page, which says that after adjusting for inflation, long-term stock market returns are only 1.9% before taxes. The whole site seems to advocate this sort of really creepy gold fetishism that's been popping up lately, so my natural reaction is to dismiss it. But I still have doubts, and this plays into my anxieties about whether retirement savings is worthwhile at all. Help me debunk this? (Existential crisis inside.) [more inside]
posted by aw_yiss on May 12, 2013 - 28 answers

Any advantage to IRA if I can't deduct contributions?

I'm taking a new job with a very small company that doesn't offer a 401k. My spouse's job does offer a 401k. Based on what I see on this page, with our income, we would not be able to deduct any contributions I make to an IRA, and we're not eligible for a Roth IRA. So what is my best retirement investment strategy? [more inside]
posted by primethyme on Apr 25, 2013 - 10 answers

With the Dow so high, is now a good time to start a Roth IRA?

Hello! I'm in my early 30s and am finally financially stable enough to start socking away some cash in a Roth IRA (my employer does not offer any retirement plans). However, I'm a little worried that, with the market being at such a high, that something will happen due to all the current BS going on with Congress and the market will crash again, and I will lose a good chunk of money. Is this fear totally unfounded? Should I just start my Roth and hope for the best?
posted by emily37 on Apr 2, 2013 - 20 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

How to best buy bonds for a retirement portfolio?

How do I pick bonds for the bonds portion of a retirement portfolio? [more inside]
posted by pwnguin on Oct 6, 2011 - 10 answers

Which is worse - less savings or more debt?

Should I cash out my IRA to significantly reduce my credit card debt? [more inside]
posted by anonymous on Jul 27, 2011 - 12 answers

Are there any retirement calculators that aren't super-simple?

Are there any retirement calculators that aren't super-simple? I'm specifically looking for a retirement calculator that would look sort of like multiple calculators where you could put in an age-range, and then all the normal inputs (starting age, starting retirement principal, income, income increase % year over year, % saved for retirement, etc). [more inside]
posted by mbatch on Mar 14, 2011 - 8 answers

Expat with scattered savings and retirement funds - how do I organise them?

Expat needing to organise and manage money across two (or more) countries. How best to save in multiple places, and organise superannuation/retirement accounts? [more inside]
posted by wingless_angel on Jul 16, 2009 - 7 answers

What are the baby boomers going to do when they can't afford to retire?

What are the baby boomers going to do when they can't afford to retire? [more inside]
posted by Clambone on Apr 28, 2009 - 43 answers

Lesser of two tax burdens?

My partner and I need to pay off some debt, and unfortunately we need to dip into our retirement funds. Our tax accountant is on vacation and we can't find the answer to our question. We have two sources–either sell some stock or cash out a couple of short-term IRA CDs. Which is the lesser of two evils? [more inside]
posted by al_fresco on Dec 13, 2008 - 11 answers

30-year investment portfolio which has to start before the end of the year and wants to be left alone afterwards?

If you had a very strong incentive to invest money before the end of the year with a 30-year outlook, and a further strong incentive to not adjust your investment strategy over that timeframe unless absolutely necessary, what kind of portfolio would you assemble? [more inside]
posted by anonymous on Dec 5, 2008 - 15 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

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

A sensible saving plan for an uncertain international future?

PersonalFinanceFilter: 25 year old looking to start making payments into something pensionesque, but with an international bent. Any suggestions? [more inside]
posted by Cantdosleepy on May 15, 2008 - 6 answers

When do we abandon the stock market (for investing)?

So, we're in a recession. At what point should we pull our investments out of the stock market? [more inside]
posted by raddevon on Apr 25, 2008 - 30 answers

Roth IRA contributions?

Can I contribute to my Roth-IRA from my savings account if I don't earn an income? [more inside]
posted by ruwan on Mar 19, 2008 - 7 answers

Withdraw Or Not?

Should I use a hardship withdrawal for my 401K to pay down/off my credit card revolving credit debt? The total debt is over $200K. I am 57. I do not anticipate retirement for another 10 years or so. I have approx $100k in the 401K that I can access. I know that there are IRS penalties for such a withdrawal but my thought was it is better to pay off the debt now and build the 401k back up. So, should I withdraw or not?
posted by cmh0150 on Dec 3, 2007 - 22 answers

Penny foolish and Pound foolish

How to tell inlaws to buck up and be frugal? [more inside]
posted by ian1977 on Nov 6, 2007 - 41 answers

If the dollar collapses, what the hell happens to my retirement account?

Looking for good articles, links, etc. that discuss (rationally, not all panicky-like) strategies for managing one's 401(k) in light of recent shifts in the market and (perhaps more importantly) the declining dollar. So far, everything I've found seems geared toward investors managing their stock portfolios rather than workers managing their retirement accounts. [more inside]
posted by anonymous on Oct 1, 2007 - 7 answers

Should we save for down payment or pay off our student loans?

Should we save for down payment or pay off our student loans? and what about retirement? [more inside]
posted by esolo on Jun 11, 2007 - 20 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

Analyzing mutual fund performance

How do I best analyze the performance of my mutual funds? [more inside]
posted by contessa on Sep 25, 2006 - 13 answers

Can I invest my retirement money in my own mortgage?

Can I invest my retirement money in my own mortgage? [more inside]
posted by portabella on Sep 25, 2006 - 2 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

Any experience with American Funds?

Any experience with American Funds? Could use some opinions about financial planners, too. [more inside]
posted by Señor Pantalones on Jul 25, 2006 - 16 answers

Factchecking my financial advisor on mutual funds

I am presently working with a financial advisor to select mutual funds for my retirement plan. He has explained the differences between Class A, B, and C funds to me, and also suggested that Class A is probably the best option. Is he correct? [more inside] [more inside]
posted by ajr on Dec 30, 2004 - 13 answers

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