I’m changing jobs in a few months and will rollover a sizable 401k into an IRA. I’m thinking about gradually changing to less risky investments (from stocks to money market) beforehand just in case the stock market tanks before I leave and I will be forced to sell the investments at lower prices. Does this make sense or am I being overly paranoid?
Posts Tagged ‘investments.’
How can I find out if “Fidelity Investments” is financially stable?
31
May
It’s bad enough that my 401k has lost over 15% of its value this year, but I’m concerned by all the recent investment bank failures. Fidelity is privately held, so how can I find out about their financial health and balance sheets?
When you have maxed out your 401K and Roth IRA, what other long term investments should you consider?
13
May
My fiance and I are both 25, have dependable high paying jobs, and are already home owners. Neither of us have school loans, credit card debt or other outstanding debt with the exception of one car payment. I’m wondering where we should look to invest our money in the coming years as I’d like more return on investment than my current money market account is offering. What other long term, moderate risk investments should we consider?
How will the recession or dollar devaluation affect my 401K &Roth investments? Should I sell off, buy euros?
08
May
Considering all I’m reading about this recession, I don’t want to lose gains or especially capital I’ve invested into SEP, IRA, and rollover 401K accounts. If the stock market crashes or if the dollar devalues , what will happen to those investments? Could I lose my capital ? Should I cash them now and put that money into a money market account? Or perhaps buy euros or yen?
My 401K is half of what it used to be. Should I change my investments?
02
May
I am in a 401k through Fidelity. I am in all stocks. I have 5 different blended stocks that I am buying. The price of the stocks that I have now are all roughly half of what they used to be and so is my money. Should I stop investing in these stocks and go to bonds or is now the time to buy them while they are so low?
Any tax free retirement investments other than 401k, IRA?
30
Apr
I started making the maximum contribution to 401k and IRAs for myself and my wife. I also have 529 plans for my kids. Are there any other ways I can invest and avoid paying taxes along the way? I don’t want to invest in non-profits or tax free mutual funds that have a low return. Should I just chose a few large cap companies and buy stock directly from them and then just hold on to them for 20 years or so and take the capital gains hit?
When to start making taxable investments over IRA / Roth investments?
30
Apr
I’ve been contributing to my 401K / Traditional IRA for a few years and just opened a Roth as well knowing that I can tap it for a first time home purchase if needed. With my emergency fund nearly full, I’m wondering what’s the best move now – pump more into the retirement accounts (specifically the Roth) or start mixing in some taxable investments in my brokerage?
Also I know the Roth has income cut-offs, and between my wife and I we’re starting to near those limits. Maybe within the next 5 years, and likely within the next decade, we might exceed those limits. With that in mind is it best to max it out while I can?
Here’s my current allocations:
- 8% pre-tax to 401k
- 5% post-tax to Roth + initial $1000 contribution in 2008
- 10% post-tax to emergency fund (will stop once it reaches ~20% of annual take-home income appx. 3-4 months from now)
Thanks!
do i have to get a 401k/ roth ira and/or money market investments to boost up my financial investment gains?
15
Apr
i have a retirement plan from being a city employee, 457 deferred compensation through ING. i have it in part savings and part stock. do i still need a 401k/ roth ira and/or money market to boost up an investment gain?
Having a Tax Deferring mutual fund as a core component of my 401k / IRA investments. Is this unwise?
15
Apr
Or merely un-necessary? I own a mutual fund that’s all about being invested in dividend-paying stocks that are well-rated companies. The strategy statement also mentions “taking advantage of tax regulations” as being a central principle and objective. Since this is in my tax deferred retirement accounts, that part doesn’t matter to me. Is it foolish? Or irrelevant?
Those who have 401K and mutual funds with Fidelity Investments, which of their funds focus on Gold..?
15
Apr
I’m considering divesting from Fidelity Energy Select focusing on Oil and Gas and moving my funds to Gold. I’m needing leads from the massive Fidelity list of funds.
Advice on Fidelity 401k investments?
10
Apr
Advice on Fidelity 401k investments?
I’m 22 y/o and have only ~$960 in my new Fidelity 401k (which I’m not familiar with it at all).I am going to start putting 6% from my paycheck. I will be talking to my manager on Monday. Is there any specific questions that I should ask? Any advice is appreciated.
FYI, this is my current approx investment %:
68.71% FID FREEDOM 2040
31.29% FID FREEDOM 2050
What type of investments are similar to a 401k plan?
30
Mar
I have a 401k plan at w/ run by John Hancock (JHPensions). The funds that I have chosen have some pretty decent returns. I am wondering what is similar to this that I can invest in? I’m not talking about a different 401k or no taxes on may wages. I am talking about a similar program or plan where I can invest some money. Is a mutual fund similar?
What bear market funds are best for my 401K – I use fidelity investments.?
18
Mar
I have a small amount of money in a 401K but I don’t want to lose what is there. Can anyone give me ideas on the best bear market 401K funds. It is helps we use fidelity investments.