401k Investment Questions

Know of a brokerage firm that will let me be on a separate 401k?

feeds@yuku.com (gotlength) — Sun, 20 Sep 2009 11:43:36 GMT

Currently our company uses Smith Barney for the 401k brokerage firm. I would like to switch to a different firm(with low commission) while remaining enrolled in our companies' 401k and the company would stay with Smith Barney. I have talked to our third party administrator and they said it would be fine for me to move to a different firm once I get the trustee's ok. I'm just trying to find a firm that will do this and I was wondering if anyone knew of one that would.

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about 401k

feeds@yuku.com (ronnie) — Sun, 30 Aug 2009 13:21:51 GMT

i worked at place 5 years. i had about 6000.00 in 401k an got laid off an my boss took my 401k check and cashed it. because i owed him a litle money an now i cant roll that over. is that legal?

Can anyone help a 401k newbie out?

feeds@yuku.com (vinunleaded0301) — Fri, 21 Aug 2009 20:57:42 GMT

After reading a few books about 401k, Ive come to an understanding that the smart way to invest is to pick the funds with the lowest expense ratio. The problem is my 401k was auto-enrolled 13 months ago (when I was 100% clueless) and I threw away the benefit package! Now I cannot find any information about expense ratio of the funds being offered to me. When I call Fidelity the "fund representative" keep avoiding my questions and kept on telling me these are not mutual funds,...

real estate in 401k

feeds@yuku.com (locknload) — Mon, 10 Aug 2009 19:57:43 GMT

I'd like to use my 401k to buy shares in an LLC that purchases single family homes. The first home in the LLC's portfolio would be my primary residence. Here are the questions:
1. Is that legal?
2. Would I have to pay rent to the LLC?
3. If the home is sold at a profit, would the profits now be part of the 401k and subject to taxes when withdrawn, even if below the $250k tax free limit for home sales?

Which is most aggressive?

feeds@yuku.com (goldenegg) — Wed, 24 Jun 2009 11:17:09 GMT

Hello,

I'd like to change my portfolio to be as aggressive as possible. Admittedly I'm pretty ignorant in this field and I have very limited time to research each investment opp so I am seeking collective opinions and/or guidance of others, I will still do my DD and not just blindly follow any advice, but I need to know what direction to go in. The following are my options and current elections, how can I arrange this to be the most aggressive?

WACHOVIA DIV...

First time 401k and would like advice

feeds@yuku.com (reeg7) — Wed, 25 Mar 2009 15:22:12 GMT

Hi,

I just started a new job and starting my first 401k but I really am not sure what to do. I'll start off by saying that I am 27 and have a pretty high risk tolerance. My options are limited to the American funds family. Right now I'm thinking about the following allocation setup:

10% AMCAP Fund (RAFBX)
30% EuroPacific Growth Fund (RERBX)
30% New Perspective Fund (RNPBX)
20% Fundamental Investors (RFNBX)
10% The Income Fund of America (RIDBX)...

Disability and 401k Contributions

feeds@yuku.com (mcubedma) — Wed, 18 Mar 2009 09:03:12 GMT

I am medically disabled and receiving long-term disability benefits and social security benefits. As an inactive employee, I have a 401k with my former employer and the company still makes a contribution to my 401k each year. My question is can I make any contribution to my 401k or my Roth IRA given that I am not receiving any taxable income? Thank you for your responses.

Investment Opinion

feeds@yuku.com (sheppard1977) — Wed, 04 Mar 2009 15:20:03 GMT

I am looking for an opinion on my 401k investments. I have owned the investments below since I started working for my current employer 2y ago. I was helped by my investment advisor with the selection of these funds. My company's 401k plan is through John Hancock. I don't mind risk and can handle it. I am in my early 30's and don't need the money. I am currently still contributing 15% of my salary to my 401k (ongoing). What do...

time to place 401k funds back into a fund?

feeds@yuku.com (wheelman) — Wed, 21 Jan 2009 14:49:23 GMT

I transferred the bulk of my 401k into a guaranteed fund (around 4%) about two years ago. I am planning on putting it back into the S&P 500 or another diversified stock mutual fund and would like to do it before the market recovers. I'm thinking it's getting close to that time. Any thoughts? I plan on working at least another 13 years.

Want more investment options???

feeds@yuku.com (ralexander) — Wed, 14 Jan 2009 08:49:24 GMT

Please don't use the forum to advertise product.

Using 401 for investment in small business

feeds@yuku.com (tse) — Fri, 09 Jan 2009 09:37:02 GMT

I was injuried in August and had started a new small business before being injuried . I have been out of work and am liquidating some 401 funds to pay for loans for the company. I have been told I can switch my 401 funds and use them to invest in my company so I will not have to show them as imcome since I am reinvesting them Can some advise on who knows about this so I can contact them. I have not been able to find an accountant who is familiar with it. Thanks for the help.

401-k Contribution Limits

feeds@yuku.com (slabman) — Fri, 26 Dec 2008 08:26:01 GMT

I am self-employed, Sub-S business and need advice on the mechanics of placing money in my already-opened 401-k. I can pay myself any salary so as to max out my situation. When making the salary deferral election, is this done BEFORE taking out FICA taxes or after?

So if I have a $25,000 salary and I want to contribute, say, $12,000, does the company issue a check before taxes, thereby avoiding charging me any payroll taxes on this $12k? My 401-k contributions, as I understand...

New to 401ks

feeds@yuku.com (dredi21) — Sat, 22 Nov 2008 19:18:27 GMT

Hello,
Im 21 years old and make roughly 270$ a weekbefore taxes working part time. My company Has provided me with the option in enrolling in a 401k plan.
Im fairly new to this type of stuff and not too familiar about investing or anything like that. I also enrolled in their espp(Stock Program). I know i currently want to contribute 6% of my income since thats what the company matches me on. This whole Allocation thing is a little tricky(strange) to me since i have no clue what im...

restaurant`s 401K, i dont know enough about it

feeds@yuku.com (Opulya) — Sat, 15 Nov 2008 12:01:18 GMT

hello everybody. i work in a local restaurant and i didnt get enough answers because they even dont know too much about it. my boss cant help me with a supervisor. pls help me to understand everything because i am from another country and really dont know about it!
i d like to have an aggressive plan? even my husband told me that i am still young and have to try something risky. another question is investment options. there are a lot of stocks!!!!!!!!!!!!! they want me to put my %...

How can I find an old 401k plan

feeds@yuku.com (Chele) — Sat, 08 Nov 2008 12:24:52 GMT

How can I find an old 401k plan that I had when I was working for wal-mart in the year 2000.
I hope you can help me. Chele

too much 401k is in my company stock,NOT ALLOWED to move it!

feeds@yuku.com (3750my401k) — Fri, 31 Oct 2008 05:17:16 GMT

hi,

I'm sure many people are in this same boat and I feel that we need laws enacted to help us avoid the risks of this. I have about 40% of my entire 401k value in my own companys stock and I am not allowed to move this portion to the other investment options available. I called up the plan administrator and asked why I cannot move this money to other options and they said that I need to be at least 50 years old to be allowed to do so. (I'm 41).This makes no sense to...

how to invest in 401K at a company you plan to leave in 1 year.

feeds@yuku.com (jules) — Tue, 21 Oct 2008 13:55:47 GMT

So, if I intend to leave my current company in a year & move my 401K into another 401K or IRA option, does it make sense to just keep everything in a money market fund? Would I have to stay with the same funds for 5 or more years to reap any benefits from the stock market? Thanks.

401k legal question

feeds@yuku.com (jimmymack30) — Mon, 20 Oct 2008 15:10:22 GMT

I am currently married and having a lot of problems with my wife. We are not divorced or separated or anything. we still live in the same house with our 2 kids. You have to understand that we are only together for the kids sake. I don't think we love each other anymore or anything. We fight something terrible. Any way, we both work . I am thinking about cashing in my 401k in november because my company is forcing us to be hired under new management. My wife is threatening to take...

post dow drop investing

feeds@yuku.com (whtmewre) — Fri, 17 Oct 2008 18:12:32 GMT

I have an $8000 vested balance 401 retirement account with Fidelity from a former employer that has just sat since I left five years ago. I want to start investing again in a 401k with my present employer that also uses Fidelity. As an unexperienced investor I feel I may have been OK with having waited to start investing again cosidering recent market conditions. With my situation and current conditions I'm looking for some advice on what may be in my favor and which way to steer my $ first.

Using municipal and bond funs in 401k

feeds@yuku.com (southerncomforthemi) — Fri, 17 Oct 2008 12:29:24 GMT

i am a bit lost on this.

Municipla finds seem to have great yield at present.

1. Why do some commentators say they should not be in 401K for tax reasons.

2. Since some of these funds now yield over 7% should I buy tax exempt of taxed funds in my 401K.

I do not have funds to hold them outside my 401k

Thanks.