Can some one please help me choose the best retirement fund for my 401K.?MetLife Stable Value
PIMCO Total Return/Inst
Front Target Retirement Inc.Trust II #
Front Target Retirement 2005 Trust II #
Front Target Retirement 2010 Trust II
Front Target Retirement 2015 Trust II
Front Target Retirement 2020 Trust II
Front Target Retirement 2025 Trust II #
Front Target Retirement 2030 Trust II #
Front Target Retirement 2035 Trust II #
Front Target Retirement 2040 Trust II
Front Target Retirement 2045 Trust II
Front Target Retirement 2050 Trust II
American Century Value Instl
Front Instl Index 500 #
American Funds New Economy R6 #
T. Rowe Price Mid-Cap Value #
T. Rowe Price Mid-Cap Growth #
T. Rowe Price Small-Cap Value Fund
BlackRock Small Cap Growth Eq/Instl
American Funds EuroPacific Growth R6 #
Lowe?s Companies, Inc. Common Stock
I am 29 years of age.All the pointer will really help me to choose in which one to invest.Thankyou to all!!
Answer by JoeyV
It would help if we knew a small bit more about you, like how ancient you are.
If it was me and I was 35 years ancient (I?m not but wish I was) in this current environment, I would say that all the stock funds are in effect the same and there is not much reason to reckon that any of them will beat Front Index 500 over the long term. John Bogle will bet on it. I wouldn?t invest in Lowes common stock unless there is a huge discount on it. I personally do not like ?Target? funds because more goes on in my life needing rebalancing then just my age. I probably wouldn?t use a target fund as a bond fund, but I would reckon about it.
I would always but some money in stocks say 35% in Front 500. Pimco is a fantastic fund so 45%. The remainder in Metlife which I presume is for cash but I?m too bone idle to look it up.
Answer by Jerry
I agree that it would be helpful to know more about you. You could EDIT your inquiry to add info about age, investing experience, risk tolerance.
Your plot has some excellent choices. Front, T. Row Price and Pimco are absolutely top notch firms. The are no really terrible choices.
Rather than choosing one fund, I suggest that you branch out a bit. It is also vital for you to start to know the choices.
MetLife Stable Value ? A stable value fund invests in GICs (Guaranteed Investment Contracts), typically issued by insurance companies. Probably paying about 3% per year, which is honestly excellent in today?s low rate environment. This is the safest option.
Pimco Total Return ? This is a bond fund, perhaps the best unfilled. If appeal rates rise sharply, this fund will fare poorly. Otherwise, it should do honestly well.
Front Target Retirement ? These funds are a mix of stocks and bonds. The later the date, the higher the % in stocks. The thought is that the younger you are, the more time you have to benefit from riskier investments.
Front 500 ? Mimics the performance of the S&P 500, large well known US stocks.
American Funds EuroPacific ? This is the only choice that is international. Investing some funds in currencies and markets outside the US is a fantastic way to branch out.
The subsequent mix is honestly conservative because markets are a bit crazy right now.
Front 500: 30%
EuroPacific : 20%
Pimco: 30%
Stable Value: 20%
Answer by drmark27
Do not overload on company stock (Lowe?s).
I was an American Century Value shareholder for a while. American Century has been a decent mutual fund company in the past.
T. Rowe Price Small-Cap Value is an brilliant suggestion: over the last several decades, small caps outperform and in particular small cap value.
I would probably invest most of the money in an S&P 500 index fund?I?m guessing the Front Instl Index 500 # is one of these.
Why did Cindy McCain sell her land investment in Sudan just before McCain started criticizing the crisis??In Darfur? Seems odd.
Cindy McCain Sells Sudan Investments; Renews Tax Return Debate
Posted by Steve Benen, The Carpetbagger Report at 8:25 AM on May 15, 2008.
Given the mystery surrounding John McCain?s wife?s finances, tales like these are not going to help matters.
Cindy McCain, the wife of the Republican presumptive nominee for president, has sold off at least $ 2 million she held in funds with investments in Sudan businesses.
The mutual funds ? American Funds Europacific Growth and American Funds Capital World Growth and Income ? have investments in companies with affair in Sudan, according to the Sudan Divestment Task Force, an promotion establishment that has been working to persuade states, universities and other organizations to divest.
?As soon as she was made aware, she sold it,? said Brian Rogers, a spokesman for the McCain battle. ?Senator and Mrs. McCain are committed to doing all doable to end the genocide in Darfur.?
This issue came up briefly a year ago, when four presidential candidates ? Sam Brownback, John Edwards, Rudy Giuliani, and Barack Obama ? learned of their Sudan-related worth and quickly divested themselves. For John McCain, who seems to have very few assets of his own, this didn?t come up until now.
In light of Cindy McCain?s rather indignant remarks last week about keeping her finances private, these $ 2 million dollars in Sudanese investments just won?t do.
Here?s a WaPo editorial on the subject in print yesterday:
?It won?t do.? That was our bottom line in 1984 when Rep. Geraldine Ferraro of New York, Democratic vice presidential candidate, balked at releasing her husband?s income tax returns. Ms. Ferraro ultimately relented. It was our bottom line four years ago, when Teresa Heinz Kerry, wife of the Democratic nominee, refused to release her returns; Ms. Kerry relented as well. And it is just as apt now with regard to Cindy McCain?s tax returns.
For a candidate who puts a premium on intelligibility and ethics, John McCain has been slow and grudging in releasing tax information. He did not commit to doing so until after he had secured the nomination, and then he told only two years of taxes, far less than his Democratic rivals. Mr. McCain?s wife, the heir to a liquor and beer distributorship, declined to release her returns, citing ? as Ms. Heinz Kerry did ? her children?s privacy. Releasing tax information entails intrusion, but, as we wrote four years ago, presidential candidates and their spouses ?let pass a significant measure of privacy. Meanwhile, tax returns provide information not controlled in financial disclosure forms, such as charitable contributions and the use of tax shelters.? For Mrs. McCain to say, as she did on NBC?s ?Today? show this week, that she would never release her tax returns, not even if she were to become first lady, is improper. ?This is a privacy issue,? she said. ?My husband is the candidate.?
The candidate should get his wife to reconsider. The last thing the country needs in a new president is more secrecy.
And this was before the revelations about the Sudanese investments.
This tale isn?t going away.
Answer by Krytox1a
well, I am glad that she did!
I have a problem with the ones STILL owning stuff there today!
Answer by George L
because its the right thing to do
Answer by lookinabout47
Ha?please. Normal laws don?t apply to these people.
I?m trying to invest in my 401K? I?m not sure what I?m doing please help?I?m 20 years ancient and I?ll admit I have no thought what any of this stuff means. All I know is that people have 401Ks and its a excellent thing. I have like 14 options to choose from to invest in I guess. I really have no thought about any of this stuff. I tried to search online the benefits of a 401K and the only thing I can find is that its excellent because you don?t have to pay taxes.. I don?t know tho.. Do I loose money if I invest in it? How do I know what is safe and what is not? These are the choices I have:
Victory Prime Obligations
American Funds Fundamental Invest R2
AllianceBernstein Global Real Est Invt R
Victory Diversified Stock R
Columbia Mid Cap Value Fund
Drden Stock Index Fund Class C
Columbia Small Cap Value II R
Eaton Vance Large Cap Value Fund R
ALLIANZ CCM Mid Cap
Oppenheimer Capital Appreciation Fund C
Columbia Marsico 21st Century
American Funds EuroPacific Growth R2
American Funds Cap Income Builder R2
American Funds Bond Fund of Amer R2
really I feel like I?m learning another foreign language I have no thought what all this means? also if i want to contribute a certain percentage is it a percentage of each pay check or of my entire yearly income?
I would talk to HR, but I should have mentioned that my company is super super small (only 35 people) so we dont have an HR. Just like a secretary lady and she isnt very nice?
Answer by Judy
Talk to your HR person ? they will help you.
I?m frightened of this market ? and I mean really frightened.
I would dump it all in American Funds Bond Fund
You can go to yahoo finance and type in all those names and learn more about them.
Google yahoo finance ? you?ll see the box ? just type the description.
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Answer by Nnnnn Ggggg
You do not have to pay taxes because the money comes frankly out of your pay before taxes, so there are no income taxes on the amount you place into your 401k.
You do not necessarily ?loose money? but you can not access it until you are 65 (usually) and it will grow in that time period (it may go down at times, but overal it will increase in value). This is because the money you place into your 401k is then invest in funds, stock market, etc.
Each of tholse funds you listed have a certain degree of risk, you have to choose if you want to invest in a high or low risk fund. You can also look at the history of a certain fund, for instance one fund may grow an average of 10% over 30 years, while another may grow only 7%.
You will contribute a percentage of your GROSS YEARLY income.
Answer by pagodaboy2001
There are two general types of 401ks ? habitual or roth.
habitual ? don?t pay taxes now on what you contribute but pay taxes when you withdraw on growth and your contributions
roth ? pay taxes now on what you contribute and withdraw without being taxed
I strongly urge getting into a Roth if you can. You only lose money if you pull your money out. Your investment is meant for long term (5 years minimum) and long term investments have grown. As for which funds to invest in look at the history. Do they have a long track record of growth? What do they invest in?
It is a percentage of your paycheck not annual income.
EDIT
This is because there are things that are not covered as part of you annual income (bonuses, overtime) that contributions will be taken from this income.
email me if you want more advise: pagodaboy2001@
yahoo.com
EDIT
Bill ? FUTA is paid by employer not worker
You should talk to your the rep. from the management company (dependability, front etc), find out from HR, and question for some help in understanding different investment vehicles (401k, IRA etc)
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