Is Increasing the Retirement Age Fair? - Go Banking Rates
Mon, 16 Aug 2010 15:51:49 GMT+00:00
Age Fair? Go Banking Rates Even after contributing to their retirement savings, they're not likely to have what they need in their 401k , IRA or other retirement investments to last ... Recession-Worn Seniors Tap Social Security Early CBS News

The Payroll Company and Subsidiary of a National Medical Society to Offer ... - PR Web (press release)
Thu, 19 Aug 2010 07:38:25 GMT+00:00
PR Web (press release) The Payroll Company then smoothes the way by providing seamless integration between the payroll records and the 401(k ), so there is no need to fill out ...

Your 401K/IRA 'Retirement' Will Disappoint Gut It Pay Taxes/Penalty Do ... - Real Estate News | BiggerPockets.com (blog)
Tue, 03 Aug 2010 19:04:37 GMT+00:00
/IRA ' Retirement ' Will Disappoint Gut It Pay Taxes/Penalty Do ... Real Estate News | BiggerPockets.com (blog) More than 9 of 10 employees use mutual funds as their main 401k investment. Um, that's less than 4% annual return based on 401k manager's own 20 year study. ...

How do I calculate earned interest for each month for a 401k retirement plan?
Q. This is for a project for my Economics class, and I've used as many resources as I can to find this... and I'm stuck. The hypothetical situation below explains what I'm supposed to do: After initially picking a 401k plan (upon research I chose a Bond Mutual Fund for this), I'm supposed to "keep track of my earned interest for my mutual fund" per month. My monthly income is $2500 and I plan to contribute 8% of that to the 401k, which would be $200/month. How do I figure out the earned interest per month? I have no idea what the interest rate is or how to find that. I've researched online and got 5.25%, in which I have no idea is correct. Thanks in advance for any help you can provide.
Asked by l_nosferatu_alucard_l - Fri Apr 6 22:31:53 2007 - - 5 Answers - 0 Comments

A. It appears that rather than projecting future gains what is being asked for is the previous month's gain. Thus, on the first day you deposit $200. One month later, before you make your next deposit, you calculate your gain for that month. Example: Start of month $200 End of month value $201 Gain (earned interest): $201-$200 = $1 Rate of Return: $10/$200 = 0.005 per month 0.005 x 12 = .06 (6%) on a yearly basis. ___ Next month the starting value is $401 (Last month's ending value ($201) plus your contribution ($200)). Do this for each month. The result for each month will likely be different and some months may even show a loss. Realistic results might look like this: Month #: 1 , 2 , 3 , 4 , 5 , 6… [cont.]
Answered by Auntie Mame - Sat Apr 7 07:00:10 2007

What Should I Do With My 401k/Retirement Funds I Have Left...?
Q. I am 40, left my job to finish my degree (I'm over halfway done). Meanwhile, I have about 16000 in my ISP and Retirement funds just sitting there. While tempting to cash in, I know it is not wise and I dont have to. Where should I put/roll these funds to get the most bang for my buck. I am going to be a history teacher, then professor while trying to start a business on the side. Teachers have it good here in Texas, so I will be saving a little from that as well. What do you think?
Asked by Typical White Person - Sat Oct 6 17:44:47 2007 - - 3 Answers - 0 Comments

A. This is just my personal opinion...I would roll the 401k into a Traditional IRA with either Vanguard or T. Rowe Price. I chose these two because their funds are no-load and their expenses are pretty low. As far as funds, it will depend on if you want actively managed funds or would rather take the passive route and just go with index funds. There are also target-date retirement funds, but I would not put all the money into just one fund. It's very important to diversify (i.e. domestic, international, etc.). I would only pay an advisor if I had well over $100,000 (i.e. make it worth my while to pay their fee and/or commissions) and I didn't have the time nor knew anything about investments. I would go to morningstar.com to research funds.
Answered by LT - Sat Oct 6 21:28:42 2007

How should I allocate my 401K retirement plan?
Q. Or who else would be able to help me with this? I'm 27 years old and it's through Vanguard. Thanks. These are the choices... Allocation for defined contrib match program balanced Funds (Stocks and Bonds): Vanguard LifeStrategy Consrv Grwth VSCGX0724 Vanguard LifeStrategy Growth Fund VASGX0122 Vanguard LifeStrategy Income Fund VASIX0723 Vanguard LifeStrategy Mod Growth VSMGX0914 Other plan investments Short-Term Reserves: Stable Income Fund 4248 Bond Funds: Vanguard Total Bond Mkt Index Inst VBTIX0222 Balanced Funds (Stocks and Bonds): Vanguard Wellington Fund Inv VWELX0021 Domestic Stock Funds: Alger Capital Appreciation Instl I ALARX3117 Marsico Growth Equity Fnd 2486 Vanguard Explorer Fund Investor VEXPX0024 Vanguard FTSE… [cont.]
Asked by justmeeh - Tue Jan 19 17:35:37 2010 - - 3 Answers - 0 Comments

A. It is great that you are already thinking about investing and your 401k plan has excellent choices. I tend to be somewhat conservative. You should try to figure out how much risk you want to take and then allocate your money between stocks, bonds and cash. At 27 you can take some risk but as you get closer to retirement you want to get less risky. If you want to do a "set it and forget it" for the next 20 years - try the LifeStrategy Moderate Growth (about 60% stocks) then when you get to around 50 go to LifeStrategy Conserative Growth (about 40% stock) and at Retirement go for the LifeStrategy Income (about 22% stock). Actually, when you retire roll over the 401k to Vanguard and put it into the Retirement Income - it has slightly better… [cont.]
Answered by J - Tue Jan 19 18:37:27 2010