401K changes

[Micha]

Hi guys! :heart

Back in October or November I created a thread asking about making changes to your 401K and I searched all over for this thread but I can't seem to find it anywhere. I basically wanted to lower the percent I put into my 401K and someone responded that it is in my best interests to keep my savings at such an aggressive rate because the money put into my 401K is not taxed. Therefore, I was just going to continue with the most aggressive portfolio. But then I was talking to a friend about this and she said that when I do eventually take out the money from my 401K I will be taxed anyway. So exactly what advantage do I have for putting the highest percentage into my 401K?

I am sorry if I don't make much sense, I am terrible when it comes to this kind of stuff :shuffle.

[keemac]

Micha,

The 401k is an IRS tax rule deferring income tax until you retire. I believe it's 59.5, not sure. Meaning, your distribution of invested income and market returns will be taxed upon withdrawal at retirement, however at a considerably accrued lower rate than getting it taken out (income tax) on a weekly basis plus non-taxed invested higher rate of return. There are numerous ways your accountant can deduce tax based on market volatility in your funds, meaning in down markets there are tax write-offs. If you decide to take it out before retirement, I believe the they penalize you .1% on amount taken. I can give you an example if you really want my brain to work, but your benefit is paying the tax when you retire unless you are savvy in negating annual capital gains yearly, which trust me really suck paying. If you are under 40, keep 75% of your contribution very aggressive, the other 25% conservative/money markets.

I'm not sure of your financial situation, but if you have other investment tools you are using that offer higher return than your 401k plan overall value, obviously ease off the 401k. Do your cost benefit analysis.

Good luck.

[Micha]

Thank you. I think it's in my best interest to lower the percentage rate. I really appreciate the response!

[nealnor]

Have to agree with keemac. I have invested quite some money in my 401K savings plan (http://www.tc.umn.edu/~schw0888/Finance/401k-plans.html) but it's just not the investment option it used to be anymore. Now there are way better tools that offer higher return available. I have reduced the payments into my 401k to a minimum and focus on other pension savings options. I think I won't take out the money, don't want to pay a penalty.

[TheHipHopBillGates]

Have to agree with keemac. I have invested quite some money in my 401K savings plan (http://www.tc.umn.edu/~schw0888/Finance/401k-plans.html) but it's just not the investment option it used to be anymore. Now there are way better tools that offer higher return available. I have reduced the payments into my 401k to a minimum and focus on other pension savings options. I think I won't take out the money, don't want to pay a penalty.

pension savings options?

[lost soul]

Yea what pension savings options? I was goign to ask same question

[Micha]

I decided not to make the change. I get taxed so damn much I'd rather put the most tax free money away as I can.

[chrisd1163]

I prefer to pay my taxes now and not worry about it in the future. When I worked for a company, I only put in whatever the company was willing to match. I invested seperately into a Roth IRA also.

[darius]

Micha,
Does your employer have a match up to a certain percentage in your 401K that you put in? If so, I would highly advise against investing any less or any more than whatever your employer-match is. It's essentially free money. What fund family does your employer 401K offer? T.Rowe Price? Fidelity? TIAA-CREF? American? The reason I ask is because you could probably get a better rate of return by investigating fund rates of return on your own, or if you have someone you can trust to do that for you. Most investment firm "reps" that work with employers really don't know their shit.
What I would advise in addition to investing in your 401k up to whatever your employer matches, would be to see if you can qualify for a RothIRA (depends on how much you earn). It's another tax shelter in which you are actually putting money in, after taxes, and when you eventually retire, you retain the entire capital tax-free.

[darius]

I prefer to pay my taxes now and not worry about it in the future. When I worked for a company, I only put in whatever the company was willing to match. I invested seperately into a Roth IRA also.

exactly the right idea!

[Micha]

Micha,
Does your employer have a match up to a certain percentage in your 401K that you put in? If so, I would highly advise against investing any less or any more than whatever your employer-match is. It's essentially free money. What fund family does your employer 401K offer? T.Rowe Price? Fidelity? TIAA-CREF? American? The reason I ask is because you could probably get a better rate of return by investigating fund rates of return on your own, or if you have someone you can trust to do that for you. Most investment firm "reps" that work with employers really don't know their shit.
What I would advise in addition to investing in your 401k up to whatever your employer matches, would be to see if you can qualify for a RothIRA (depends on how much you earn). It's another tax shelter in which you are actually putting money in, after taxes, and when you eventually retire, you retain the entire capital tax-free.

It's Fidelity. So basically you are suggesting I make changes and lower my aggressive portfolio to the amount of percentage my company matches. Which to my knowledge is like only 10%. I will look into the RothIRA right now the only other investing I do is in a Money Market and that doesn't seem to be making any money :disappoin

[TheHipHopBillGates]

It's Fidelity. So basically you are suggesting I make changes and lower my aggressive portfolio to the amount of percentage my company matches. Which to my knowledge is like only 10%. I will look into the RothIRA right now the only other investing I do is in a Money Market and that doesn't seem to be making any money :disappoin

The 75/25 split the one girl mentioned is silly. You should definitely match what your employeer puts in, and if you're worried about taxes later then you can put your work contributions into a Roth 401k you don't necc have to go the IRA route anymore. If the fed starts raising rates you might see better performance in the money market, but you could get the same out of a regular savings....

[keemac]

Bill Gates,

Are you recommending she not diversify in her fund portfolio? Also, if I'm not mistaken the Roth 401k's have low annual contribution allowance and employer contribution is taxed. Again, we don't have the slightest information of what her funds look like and how she is investing, but unless I'm misreading, what you are advising doesn't make sense.

Furthermore Micha, keep your fund distribution in a conservative money market with long stretches of commercial paper as portfolio managers are getting these pennies for the dollar and five years from now it will have a great return. If you can list the Blmbg codes, if possible, or names on the funds available through Fidelity, I can build an advantageous return for you. Or, I know a lot of the money managers there if you want me to put you in contact.

Another little tip on your monthly investment statements, this is a trading tip, but you should never be loosing money in your personal investments, if you're down 2% on anything or only making 6% on that same anything, then get out and get into something better.

[Micha]

I prefer to pay my taxes now and not worry about it in the future. When I worked for a company, I only put in whatever the company was willing to match. I invested seperately into a Roth IRA also.

Now that I just finished my taxes, I get this response better. It also answers my initial question as to what the advantage of putting tax-free money away when you will be taxed when you finally take it out. Thank you. Sorry it took so long to conceive what you meant.

I really need to look into a Roth IRA.

[Micha]

Bill Gates,

Are you recommending she not diversify in her fund portfolio? Also, if I'm not mistaken the Roth 401k's have low annual contribution allowance and employer contribution is taxed. Again, we don't have the slightest information of what her funds look like and how she is investing, but unless I'm misreading, what you are advising doesn't make sense.

Furthermore Micha, keep your fund distribution in a conservative money market with long stretches of commercial paper as portfolio managers are getting these pennies for the dollar and five years from now it will have a great return. If you can list the Blmbg codes, if possible, or names on the funds available through Fidelity, I can build an advantageous return for you. Or, I know a lot of the money managers there if you want me to put you in contact.

Another little tip on your monthly investment statements, this is a trading tip, but you should never be loosing money in your personal investments, if you're down 2% on anything or only making 6% on that same anything, then get out and get into something better.

Ok now I am really confused.

[ERR]

Ok now I am really confused.

you just got sales rheotoric. pay it no mind, and listen to gates. Think about getting some emerging market funds involved would be my two cents as well.

[keemac]

Micha,

Give a list of all funds available through your Fidelity 401k and I'll research an investment strategy. Everyone else is giving you a macro observation of what you should or shouldn't do with your retirement investing. I'm giving you a micro solution of listing all of the funds available to you through Fidelity, more than likely labeled Aggressive/Moderate/Conservative, for your benefit. Log into your Fidelity web account and find the funds you are vested in and the ones available. My above advice was, and again I have no knowledge of your age, monthly investment or long term goal to give you a complete analysis, if you have $100 to invest monthly, you should break that $100 into ten different funds labeled Aggressive/Moderate/Conservative Fidelity offers for a 401k portfolio of 75% Aggressive 25% Conservative. INVESTING 101 (and with Easter tomorrow) IS NOT PLACING ALL OF YOUR EGGS INTO ONE BASKET, which hopefully you should already know, but this goes along with retirement investing as well. The complaints last year about everyone loosing their 401k value was they were all in a single fund in their portfolio.

Also, just to give you a basic fact, you can use your tax deferred 401k to invest in a house or if you encounter tough times. You can then repay the loan to yourself, which I could be wrong, but I don't think you can do that through the ROTH investment. I've flipped two condos with only my 401k and completely paid back the loan on the flips to myself without incurring penalty and compounded annual average rate of return on my 401k to 36%. I'll be a millionaire 6x over by the time I'm 59 just through my 401k. I've done this all by using the above advice given to me from a senior portfolio manager at Goldman. In addition, I would stay away from any upfront tax you will pay and defer it for as long as possible with the right accountant, due to the amount of confusion and uncertainty taking place in DC.

Finally, don't take advice about your own investing from anyone on a nightclub message board, because how can you qualify it's sound advice. Write all of your questions down and call Fidelity directly or I can put you in contact.

[ERR]

Finally, don't take advice about your own investing from anyone on a nightclub message board, because how can you qualify it's sound advice.

irony at its finest

[keemac]

EAR,

What's truly ironic would be your ham and egg advice of investing in "emerging market funds" is a report I worked on eight years ago. So, you're a little late to that party. My trading desk calls it 'ham and egg' advice you're giving, because you can get it for breakfast anywhere-save your two pennies. If I have to state my qualifications-3, 7, 24, 63, Level II CFA, Registered in Hong Kong, London and Singapore, and an MBA from Financial Times #1 business school in the world. I can go get my 6 to give her better mutual fund advice, but I think I've accomplished enough to mitigate financial information. If you're in the financial industry, continue your path margin clerking in custodial services, because every industry needs trash taken out.

Micha,

I apologize for giving negative commentary in your thread. Also, I love house music, which is why I come to this website.

[ERR]

EAR,

What's truly ironic would be your ham and egg advice of investing in "emerging market funds" is a report I worked on eight years ago. So, you're a little late to that party. My trading desk calls it 'ham and egg' advice you're giving, because you can get it for breakfast anywhere-save your two pennies. If I have to state my qualifications-3, 7, 24, 63, Level II CFA, Registered in Hong Kong, London and Singapore, and an MBA from Financial Times #1 business school in the world. I can go get my 6 to give her better mutual fund advice, but I think I've accomplished enough to mitigate financial information. If you're in the financial industry, continue your path margin clerking in custodial services, because every industry needs trash taken out.

Micha,

I apologize for giving negative commentary in your thread. Also, I love house music, which is why I come to this website.

cool story, bro.

[Micha]

EAR,

What's truly ironic would be your ham and egg advice of investing in "emerging market funds" is a report I worked on eight years ago. So, you're a little late to that party. My trading desk calls it 'ham and egg' advice you're giving, because you can get it for breakfast anywhere-save your two pennies. If I have to state my qualifications-3, 7, 24, 63, Level II CFA, Registered in Hong Kong, London and Singapore, and an MBA from Financial Times #1 business school in the world. I can go get my 6 to give her better mutual fund advice, but I think I've accomplished enough to mitigate financial information. If you're in the financial industry, continue your path margin clerking in custodial services, because every industry needs trash taken out.

Micha,

I apologize for giving negative commentary in your thread. Also, I love house music, which is why I come to this website.

It's ok, I understand. I appreciate your responses. I'm just trying to decipher exactly what you are saying, because like I already wrote, I am terrible with this type of thing. Also, and this will illustrate exactly how bad I am...I can't remember the last time I received a statement for my 401. Do these come every three months or monthly? Looking at it would really help me in some of the advice you gave. And I know it's silly to ask advice on a message board, but it's really no different from asking around to people I know.

[TheHipHopBillGates]

Bill Gates,

Are you recommending she not diversify in her fund portfolio? Also, if I'm not mistaken the Roth 401k's have low annual contribution allowance and employer contribution is taxed. Again, we don't have the slightest information of what her funds look like and how she is investing, but unless I'm misreading, what you are advising doesn't make sense.

Furthermore Micha, keep your fund distribution in a conservative money market with long stretches of commercial paper as portfolio managers are getting these pennies for the dollar and five years from now it will have a great return. If you can list the Blmbg codes, if possible, or names on the funds available through Fidelity, I can build an advantageous return for you. Or, I know a lot of the money managers there if you want me to put you in contact.

Another little tip on your monthly investment statements, this is a trading tip, but you should never be loosing money in your personal investments, if you're down 2% on anything or only making 6% on that same anything, then get out and get into something better.

Who said anything about not diversifying? I just said that thinking that there is a specific split like 75/25 is stupid. The you're young be aggressive is an outdated strategy build around the concept that a market will always grow long-term and that's not neccessarily the case especially with growing economic disparity, high unemployment, rampant government spending and irresponsible fiat printing. AND there are so many exampels to draw from Japan in the 90's, Argentina 80s-00s, Ecudador, any of the PIGS now.......if the dollar were to collapse like Bretton Woods, the Austral or the Sucre.....etc all that aggressive investing would be wiped out. If you want to give her advice on diversification talk about foreign markets, commodities or canned goods, things that given unforseen consequences will still hold value.

As far as the Roth 401k (http://www.smartmoney.com/personal-finance/retirement/understanding-the-roth-401k-17679/) it has the same limits as a traditional 401k which I doubt at her age she's maxing out. And how her company contributions are in a seperate traditional 401k account which is pre-tax. I'm not quite sure what your arguement is here, but if you're trying to say she should be using a traditional so she can pay less taxes now well that completely depends on how "aggressively" shes contributing, and where she sees her income going because a good majority of people don't expect their incomes to drop off after retirement, so why pay the taxes then?

And as for you're "little tip" that sounds like excellent advice on how to buy high and sell low. Micha, you don't have to take any advice from me, but I certainly wouldn't take any from this person either. Talk to some qualified people and do your own research into what you invest in.

[TheHipHopBillGates]

Micha,

Give a list of all funds available through your Fidelity 401k and I'll research an investment strategy. Everyone else is giving you a macro observation of what you should or shouldn't do with your retirement investing. I'm giving you a micro solution of listing all of the funds available to you through Fidelity, more than likely labeled Aggressive/Moderate/Conservative, for your benefit. Log into your Fidelity web account and find the funds you are vested in and the ones available. My above advice was, and again I have no knowledge of your age, monthly investment or long term goal to give you a complete analysis, if you have $100 to invest monthly, you should break that $100 into ten different funds labeled Aggressive/Moderate/Conservative Fidelity offers for a 401k portfolio of 75% Aggressive 25% Conservative. INVESTING 101 (and with Easter tomorrow) IS NOT PLACING ALL OF YOUR EGGS INTO ONE BASKET, which hopefully you should already know, but this goes along with retirement investing as well. The complaints last year about everyone loosing their 401k value was they were all in a single fund in their portfolio.

Also, just to give you a basic fact, you can use your tax deferred 401k to invest in a house or if you encounter tough times. You can then repay the loan to yourself, which I could be wrong, but I don't think you can do that through the ROTH investment. I've flipped two condos with only my 401k and completely paid back the loan on the flips to myself without incurring penalty and compounded annual average rate of return on my 401k to 36%. I'll be a millionaire 6x over by the time I'm 59 just through my 401k. I've done this all by using the above advice given to me from a senior portfolio manager at Goldman. In addition, I would stay away from any upfront tax you will pay and defer it for as long as possible with the right accountant, due to the amount of confusion and uncertainty taking place in DC.

Finally, don't take advice about your own investing from anyone on a nightclub message board, because how can you qualify it's sound advice. Write all of your questions down and call Fidelity directly or I can put you in contact.

So how much $$ did you lose on those condos you flipped? Btw I'll be selling war bonds later today, hit me up you'll be a millionaire 2000000x over because as we all know, the US likes to goto war.

[TheHipHopBillGates]

EAR,

What's truly ironic would be your ham and egg advice of investing in "emerging market funds" is a report I worked on eight years ago. So, you're a little late to that party. My trading desk calls it 'ham and egg' advice you're giving, because you can get it for breakfast anywhere-save your two pennies. If I have to state my qualifications-3, 7, 24, 63, Level II CFA, Registered in Hong Kong, London and Singapore, and an MBA from Financial Times #1 business school in the world. I can go get my 6 to give her better mutual fund advice, but I think I've accomplished enough to mitigate financial information. If you're in the financial industry, continue your path margin clerking in custodial services, because every industry needs trash taken out.

Micha,

I apologize for giving negative commentary in your thread. Also, I love house music, which is why I come to this website.

Wow the irony. I mean should where should we start? The fact that you gave Micha the wrong advice regarding the Roth 401k above? The sillyness of ridiculing something that you know what is still on average more profitable then investing domestically, or your lack of evolutionary economic cycles to cling to an investment strategy that is much much older then what you worked on 8 years ago. But I'm sure if you really just want to have a dick measuring contest there are a good amount of people on here that can jump in talking about MBA's & CFA's & Practical application of stuff learned during recess @ Puff the Magic Dragon's school of delusional acquistions of self status & sex rehab for celebreties that cheat & want a get out of jail free card.........the real funny part is all that you really need to mitigate financial information is a couple hours a week on google or wikipedia and a message board where you can talk trash.

[ERR]

that redefines, "OWNED"

[keemac]

Bill Gates,

Given your same variables in your first response is the reason she should stay away from the Roth 401k and get into the non taxpaying funds or cross boarders until further studies go into how future investing plays into legislative reforms that have yet to be written. Thanks for agreeing with me on those points however. Without confusing her further in the Roth vs. Traditional 401K, I can safely assume her company isn’t offering the Roth or she would be asking about it. Moreover, I’m told, don’t pay tax on 401k investments until absolutely necessary or unless you drop into the 15% bracket, then consider the Roth 401k, as there are thousands of loopholes to get out of deferred tax. Again, without knowing any of her demographics and investing goals, 75% aggressive and 25% moderate/conservative funds within any 401k (Roth or Traditional) plan is a strategy recommended by every 401k portfolio manager at my firm and Fidelity. Fidelity is actually recommending, based on current queries in financial reform legislation, buy and hold. Two quick question, year over year, we aggressively grow correct? Would you recommend her not being aggressive over the past year? Furthermore, statistically vesting into labeled funds Aggressive/Moderate/ Conservative has given yearly average increased returns of 6.5%, which is why I recommended the (2%) into 6% pnl tip on her fund return. I’m not sure what you mean by buying high selling low with the valuable trading tip, but here, I’ll explain it: That if any trade is down (1%) report it and (2%) get out of it into something better. If historical price have, in her case 6.5% increase and she’s only making 6%, get out of it into something better. Ace Greenberg taught me that strategy and still uses it. But, that’s why macros, Bloomberg Wizards and 3000 graphs are made on trading desks. I’m not even going to get into your other erratic exigencies into mutual fund investing, because if you don’t think her portfolio managers at Fidelity aren’t aware of these far-fetched tangibles, than you must be living in a cave.

Research a friend of mine Jim O’Neill and his effects on emerging market fund investments. Also, on my flips, I think you can deduce my returns from my explanation.

Micha,

Call Fidelity with questions and sign up for your web access into your investment funds through their website to get statements, but you should at least be receiving them quarterly. From the website you should be able to get the funds available in your 401k and I can build a macro for you.

[Micha]

Bill Gates,

Given your same variables in your first response is the reason she should stay away from the Roth 401k and get into the non taxpaying funds or cross boarders until further studies go into how future investing plays into legislative reforms that have yet to be written. Thanks for agreeing with me on those points however. Without confusing her further in the Roth vs. Traditional 401K, I can safely assume her company isn’t offering the Roth or she would be asking about it. Moreover, I’m told, don’t pay tax on 401k investments until absolutely necessary or unless you drop into the 15% bracket, then consider the Roth 401k, as there are thousands of loopholes to get out of deferred tax. Again, without knowing any of her demographics and investing goals, 75% aggressive and 25% moderate/conservative funds within any 401k (Roth or Traditional) plan is a strategy recommended by every 401k portfolio manager at my firm and Fidelity. Fidelity is actually recommending, based on current queries in financial reform legislation, buy and hold. Two quick question, year over year, we aggressively grow correct? Would you recommend her not being aggressive over the past year? Furthermore, statistically vesting into labeled funds Aggressive/Moderate/ Conservative has given yearly average increased returns of 6.5%, which is why I recommended the (2%) into 6% pnl tip on her fund return. I’m not sure what you mean by buying high selling low with the valuable trading tip, but here, I’ll explain it: That if any trade is down (1%) report it and (2%) get out of it into something better. If historical price have, in her case 6.5% increase and she’s only making 6%, get out of it into something better. Ace Greenberg taught me that strategy and still uses it. But, that’s why macros, Bloomberg Wizards and 3000 graphs are made on trading desks. I’m not even going to get into your other erratic exigencies into mutual fund investing, because if you don’t think her portfolio managers at Fidelity aren’t aware of these far-fetched tangibles, than you must be living in a cave.

Research a friend of mine Jim O’Neill and his effects on emerging market fund investments. Also, on my flips, I think you can deduce my returns from my explanation.

Micha,

Call Fidelity with questions and sign up for your web access into your investment funds through their website to get statements, but you should at least be receiving them quarterly. From the website you should be able to get the funds available in your 401k and I can build a macro for you.
Thanks for the advise...I actually got my quarterly statement in the mail few days ago. :)

[TheHipHopBillGates]

Bill Gates,

Given your same variables in your first response is the reason she should stay away from the Roth 401k and get into the non taxpaying funds or cross boarders until further studies go into how future investing plays into legislative reforms that have yet to be written. Thanks for agreeing with me on those points however. Without confusing her further in the Roth vs. Traditional 401K, I can safely assume her company isn’t offering the Roth or she would be asking about it. Moreover, I’m told, don’t pay tax on 401k investments until absolutely necessary or unless you drop into the 15% bracket, then consider the Roth 401k, as there are thousands of loopholes to get out of deferred tax. Again, without knowing any of her demographics and investing goals, 75% aggressive and 25% moderate/conservative funds within any 401k (Roth or Traditional) plan is a strategy recommended by every 401k portfolio manager at my firm and Fidelity. Fidelity is actually recommending, based on current queries in financial reform legislation, buy and hold. Two quick question, year over year, we aggressively grow correct? Would you recommend her not being aggressive over the past year? Furthermore, statistically vesting into labeled funds Aggressive/Moderate/ Conservative has given yearly average increased returns of 6.5%, which is why I recommended the (2%) into 6% pnl tip on her fund return. I’m not sure what you mean by buying high selling low with the valuable trading tip, but here, I’ll explain it: That if any trade is down (1%) report it and (2%) get out of it into something better. If historical price have, in her case 6.5% increase and she’s only making 6%, get out of it into something better. Ace Greenberg taught me that strategy and still uses it. But, that’s why macros, Bloomberg Wizards and 3000 graphs are made on trading desks. I’m not even going to get into your other erratic exigencies into mutual fund investing, because if you don’t think her portfolio managers at Fidelity aren’t aware of these far-fetched tangibles, than you must be living in a cave.

Research a friend of mine Jim O’Neill and his effects on emerging market fund investments. Also, on my flips, I think you can deduce my returns from my explanation.

Micha,

Call Fidelity with questions and sign up for your web access into your investment funds through their website to get statements, but you should at least be receiving them quarterly. From the website you should be able to get the funds available in your 401k and I can build a macro for you.

You should really stop. Your I believes and googled responses just continue to show you have no idea. Not to mention your clownfest name dropping, I'm sure Ace Greenberg took the type out of his day to teach some assclown investing strategy while he was chairman of the board of Bear Sterns. Maybe you're the one who needs to research a little more.

And do you even know what a fucking macro is? Anyone with a Microsoft excel can create one, and if you put in a little effort you can learn VBA and write them instead of using Macro Recorder(which sucks). I'm not even sure what the 3000s graphs is supposed to mean, just a continuation of a rant of stupidity trying to make it sound like you know something. Next up do you know what a fucking query is? you query data not financial legislation.

I could really take the time out to explain to you how % gain isn't the same $ amount of % loss in a portfolio, how debt effects domestic economies, or how the BRIC countries growth will change the world economy and investment strategy, but obviously you don't comprehend much just spit out buzz words from whatever the last thing you read was.

Again Micha don't listen to this person, contact Elise and get advice from her or one of her collagues that is actually certified for this type of thing. This whole last response was nothing but smokescreen for someone that has no real clue about what they're talking about. Nothing wrong with investing agressively if that's whats right for you but discuss it with a professional.

[Micha]

You should really stop. Your I believes and googled responses just continue to show you have no idea. Not to mention your clownfest name dropping, I'm sure Ace Greenberg took the type out of his day to teach some assclown investing strategy while he was chairman of the board of Bear Sterns. Maybe you're the one who needs to research a little more.

And do you even know what a fucking macro is? Anyone with a Microsoft excel can create one, and if you put in a little effort you can learn VBA and write them instead of using Macro Recorder(which sucks). I'm not even sure what the 3000s graphs is supposed to mean, just a continuation of a rant of stupidity trying to make it sound like you know something. Next up do you know what a fucking query is? you query data not financial legislation.

I could really take the time out to explain to you how % gain isn't the same $ amount of % loss in a portfolio, how debt effects domestic economies, or how the BRIC countries growth will change the world economy and investment strategy, but obviously you don't comprehend much just spit out buzz words from whatever the last thing you read was.

Again Micha don't listen to this person, contact Elise and get advice from her or one of her collagues that is actually certified for this type of thing. This whole last response was nothing but smokescreen for someone that has no real clue about what they're talking about. Nothing wrong with investing agressively if that's whats right for you but discuss it with a professional.
Good point, I just thought it was a simple question with a simple answer. But judging by these responses it's a lot more confusing that I thought.

[ERR]

Bill Gates,

Given your same variables in your first response is the reason she should stay away from the Roth 401k and get into the non taxpaying funds or cross boarders until further studies go into how future investing plays into legislative reforms that have yet to be written. Thanks for agreeing with me on those points however. Without confusing her further in the Roth vs. Traditional 401K, I can safely assume her company isn’t offering the Roth or she would be asking about it. Moreover, I’m told, don’t pay tax on 401k investments until absolutely necessary or unless you drop into the 15% bracket, then consider the Roth 401k, as there are thousands of loopholes to get out of deferred tax. Again, without knowing any of her demographics and investing goals, 75% aggressive and 25% moderate/conservative funds within any 401k (Roth or Traditional) plan is a strategy recommended by every 401k portfolio manager at my firm and Fidelity. Fidelity is actually recommending, based on current queries in financial reform legislation, buy and hold. Two quick question, year over year, we aggressively grow correct? Would you recommend her not being aggressive over the past year? Furthermore, statistically vesting into labeled funds Aggressive/Moderate/ Conservative has given yearly average increased returns of 6.5%, which is why I recommended the (2%) into 6% pnl tip on her fund return. I’m not sure what you mean by buying high selling low with the valuable trading tip, but here, I’ll explain it: That if any trade is down (1%) report it and (2%) get out of it into something better. If historical price have, in her case 6.5% increase and she’s only making 6%, get out of it into something better. Ace Greenberg taught me that strategy and still uses it. But, that’s why macros, Bloomberg Wizards and 3000 graphs are made on trading desks. I’m not even going to get into your other erratic exigencies into mutual fund investing, because if you don’t think her portfolio managers at Fidelity aren’t aware of these far-fetched tangibles, than you must be living in a cave.

Research a friend of mine Jim O’Neill and his effects on emerging market fund investments. Also, on my flips, I think you can deduce my returns from my explanation.

Micha,

Call Fidelity with questions and sign up for your web access into your investment funds through their website to get statements, but you should at least be receiving them quarterly. From the website you should be able to get the funds available in your 401k and I can build a macro for you.

Jesus H Christ, just stop!

[TheHipHopBillGates]

and the next time you're hanging out with your friends the head of JP Morgan's Retail Banking, Goldman Sach's Chief Economist and other figments of your imagination, could you tell Santa that I've been a good boy this year because I'm not bullshitting others into make investments that I myself don't understand.........oh and ask him what he thought of the Oreos, I could always switch it up and throw in some girl scout cookies or whatever, maybe a little chocolate milk....etc...

ps thanks for the laugh.

[darius]

Good point, I just thought it was a simple question with a simple answer. But judging by these responses it's a lot more confusing that I thought.

if you weed out absolutely everything posted by Keemac, it's really not all that confusing. you just need to sit down with someone you can trust that understands the various types of mutual funds in which to allocate for your Roth IRA. the basic, fundamental strategy is still the same -- contribute to your 401 K to the maximum your employer matches, then set up a Roth IRA with any additional earnings you wish to invest for the long-term (and i personally recommend looking into American Funds for that).

[keemac]

Micha,

I’m strictly trying to get you to understand your investment, value what its worth based on historic rate against conversion changes and manage your risk. Based on those three basic tools, you’ll be able to gain comprehension in what your current/future 401k value and its variant foundation. Obviously, everyone that commented in this thread agrees you should speak to a seasoned individual. My suggestion is that seasoned individual will easily offer you better value than here, but will not structure or risk manage your funds on a day to day basis, that’s your job. I can provide help for that if needed with macros and evaluation on other funds Fidelity offers. Therefore, you should structure your Excel sheet in that fashion in which most financial management companies like Fidelity allow you to download from their website with your investment funds already include and start questioning yourself and the investment on a daily basis: What’s the total performance of all funds? What’s the value of funds I have access to, but not invested? Is there another strategy where I can make more money on my investment? What’s my exit strategy if all or one of my funds begins to detract?

Bill Gates,

I enjoyed arguing retirement financing with you, because I believed it helped people not familiar with this topic further understand it. However I take no tone in writing, but I’ve had a prosperous career not entertaining individuals that use obscenities or negative expletives as you do. Quickly defending your accusations, I interned and worked with JO for two and a half years in London and New York where I helped financially analyze China, but wanted to move into trading. He also wrote me a reference to get into graduate school. Also, I worked on Ace’s created Arbitrage desk for three years at 383, where his desk was two rows in-front of me. I’ve probably executed double the amount of trades for him than you have posts here. Good luck in your career mate, instead of gaining a friend you’ve created a person who thinks you’re all of what you claimed that person to be, which from my experience, I can assume happens quite frequently with you.

[ERR]

Micha,

I’m strictly trying to get you to understand your investment, value what its worth based on historic rate against conversion changes and manage your risk. Based on those three basic tools, you’ll be able to gain comprehension in what your current/future 401k value and its variant foundation. Obviously, everyone that commented in this thread agrees you should speak to a seasoned individual. My suggestion is that seasoned individual will easily offer you better value than here, but will not structure or risk manage your funds on a day to day basis, that’s your job. I can provide help for that if needed with macros and evaluation on other funds Fidelity offers. Therefore, you should structure your Excel sheet in that fashion in which most financial management companies like Fidelity allow you to download from their website with your investment funds already include and start questioning yourself and the investment on a daily basis: What’s the total performance of all funds? What’s the value of funds I have access to, but not invested? Is there another strategy where I can make more money on my investment? What’s my exit strategy if all or one of my funds begins to detract?

Bill Gates,

I enjoyed arguing retirement financing with you, because I believed it helped people not familiar with this topic further understand it. However I take no tone in writing, but I’ve had a prosperous career not entertaining individuals that use obscenities or negative expletives as you do. Quickly defending your accusations, I interned and worked with JO for two and a half years in London and New York where I helped financially analyze China, but wanted to move into trading. He also wrote me a reference to get into graduate school. Also, I worked on Ace’s created Arbitrage desk for three years at 383, where his desk was two rows in-front of me. I’ve probably executed double the amount of trades for him than you have posts here. Good luck in your career mate, instead of gaining a friend you’ve created a person who thinks you’re all of what you claimed that person to be, which from my experience, I can assume happens quite frequently with you.

you've dug yourself such a deep hole we can't even hear you anymore. go away once and for all. youre a nobody.