 What is the difference between 'bear' and 'bull' markets? |
| There's a lot of talk today about the FTSE 100 being dragged into a 'bear' market. Can someone tell me what that means, and how it is different from a 'bull' market? How did ... |
|
 Stock market? |
| does someone what to explain it to me? i'm planning on investing $800 a month into it, but i'm not quite sure how it works yet or anything haha. all i know is to buy when everyone sells, ... |
|
 Why is trading Forex a scam? |
| I know there is the potential to make a lot of money but why have I not heard more about it on financial stations such as CNBC?... |
|
 What to invest in or buy to make quick money from your saving? |
| My husband and I have a saving account and we only eraned 1.53 in the first quarter and that stinks.So We want to either invest it to make money now or buy something to resale and make money now..... |
|
 How to deal with proceeds from a house sale? |
My father just sold his home and moved into a retirement home.
He needs about $3,500 per month. He receives $900 in social security so he would need to draw out $2,600 per month.
He just ... |
|
 Learning Technical Analysis ...??? |
I want to learn Technical Analysis for stock market.
I am from Ahmedabad.
Is there any specific source to learn it ?...OR...I need to refer more & more books ???
Is ... |
|
 Can you sell a call option before the expiration date? |
| Say I want to purchase an Aug 2006 25.0000 call which is currently 10 cents. Say in a week from today the stock is at $26 and the option is worth $2. Can I sell that option, or do I need to wait ... |
|
 What is the cheapest and best way to start a portfolio? |
| What is the cheapest and best way to get my foot in the door with stock trading and investments. I don't have a lot to work with to start from.... |
|
 I have a home valued at 500000. I have 160000 left on my principle. Should I pay it off? or Invest? |
| I'm 32 years old with 793 Credit Rating.. I'm renting out my home for 2800 bucks.. which is 1000 above the mortgage. Should I put the 2800 I earn on the rent towards the principal? so my ... |
|
 What is the best online broker for a new investor?? |
Suggestions appreciated, with explanations. I only have $600 saved to play with, so im already limited to what i can do. I am concerned with fees and such.
T... |
|
 What to do with £22k after University?? |
Im in my last year at university and wondering what I should do with the money Ive had in an Income Bond so far (£22,000)
1) Use it to get onto the property ladder - would probably be looking ... |
|
 New to retirement investing, how often should I rebalance my accounts? |
| I have a 401(a) and a 457(b) thru my employer. The advisor my employer uses is always in a big hurry, acting like he doesn't have time for such petty questions, and is a bit condescending on top ... |
|
 Should I pay off my mortgage quicker or should I save? |
| Im closing on my first house next week. My husband and I are both 30. I checked I mortgage caculator and found out if we make a payment of $3500.00 1 x a year in addition to our regular payments then ... |
|
 For a new trader....what is the easiest way to pick stocks on a budget? |
| I have $1000 to start trading...as a beginner, how many different stocks is reasonable to focus on at one time?... |
|
|  |
Mandy Cat | 401K question? |
My company is no longer going to match my contribution..they're not contributing anything. Do I benefit more by leaving it with my company, or moving it to an IRA account, or.....well, you tell me.
What should I do? ( I have roughly 9K) |
 |
 
redwine
|
I would move it to a roll-over IRA. More choices and likely lower fees. tba |
|
src50
|
Check your plan details. Usually, you cannot transfer or roll over your 401(k) account until you leave the company. If you can move it, its up to you. |
|
digdowndeepnseattle
|
You can't move it unless you quit or they terminate the plan. Deciding to not continue to match deferrals isn't an acceptable IRS reason for a distributable event. |
|
STEPHEN
|
Companies that match contributions; that's pretty rare.
You have to weigh in whether or not your 401k is doing well. During this time of recession, most 401k's aren't doing so hot, but if yours in, then you may want to stick with it.
Moving to an IRA, which is what I did Troweprice because I have the ability to handle it more.
Now, you don't get penalized unless you touch the money, so you have to make sure the companies to an instant ira transfer. Always better to go talk with your human resources department about it first since they know a lot better. |
|
Tim
|
I would find out whether the company controls the 401K or it is a separate account in YOUR name. As long as it is a separate account in your name and the comany has nothing to do with it, it really doesn't matter.
Otherwise move it to an IRA where you have more control and protection against the company doing things with your 401k id the have problems or file bankruptcy. |
|
ocsurf
|
I would look at how much your return has been with the 401k. If they've done a good job with it and the returns are good then keep it there. Most likely it isn't returning as much as it could. I would transfer the money to an IRA if you can avoid getting penalized. |
|
Jason Alexanders
 |
The following assumes that you actually can move it in accordance with your plan documents. You may not be able to move your 401(k) until after you leave thus it may be a moot issue. If you choose to take money from it, make sure it is sent directly to the broker; do not receive a check as there are harsh tax penalties in that case.
Move it to the IRA by trustee to trustee transfer to Fidelity or Zecco. If you choose Fidelity, you may need to do a trustee-to-trustee transfer either to Scottrade or to Vanguard. In the first instance, you would want to transfer $4,000 to Vanguard to buy VTSMX and in the second instance, you may want to send $3,500 to Scottrade to buy VALIX and VLEOX. That way you have an entire investment universe to choose from. I am assuming the risk profile of someone who is 45, with a moderate risk tolerance, and a good emergency fund.
The following funds seem interesting:
Fidelity Four in One Index Fund (FFNOX) - $2,500
Fidelity Intermediate (FTHRX) - $2,500
Vanguard Total Stock Market Index Fund (VTSMX) - $4,000
About 68% stocks.
OR
Fidelity Four-in One Index Fund (FFNOX) - $2,500
Value Line Income & Growth Fund (VALIX) - $2,750
Value Line Emerging Opportunities (VLEOX) - $1,000
Fidelity Balanced Fund (FBALX) - $2,750
About 71% equities
OR
Open a Zecco account and pay $30 + $30 every February.
Buy (amounts are approximations and could go higher or lower depending on market action). Trade at your own risk.
VTI - $1,850 - about 13 shares
DIA - $1,850 - about 15 shares
QQQQ - $700 - about 16 shares
IOO - $1,500 - about 20 shares
VPL - $1,000 - about 16 shares
VWO - $300 - about 3 shares
BND - $1,000 - about 13 shares
IEI - $1,000 - about 9 shares
About 78% stocks
Simply add to the portfolio (up to 10 trades per month for free).
Any future contributions should go into a RothIRA |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 4 minutes(s) ago
| | | |
6 | 35 minutes(s) ago
| | | |
4 | 49 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
7 | 6 hour(s) ago
| | | |
7 | 10 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
7 | 5 day(s) ago
| | | |
7 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Investing 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
