 With this big dip, do you think it's a good time to buy stocks? |
| If so, what would you suggest, and why? I figured, a huge dip in the markets, and they're sayin' they'll probably go back up on thursday, what do you guys think?... |
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 I have US$200k cash, do you have any investment suggestions? |
I previously invested in security market, but I lost a lot. :o(
So do you have any investment suggestions that can max the potential?... |
|
 Any advice on penny stock investing? |
| just looking to make a number of good small investments.... |
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 Top 10 Mutual Funds - Long Term Benefits and high return? |
| Please list the Top 10 Mutual Funds - For long term Benefits and High ... |
|
 How do i earn interest on my bank account ? |
| i have a bank account but its not gettin any interest i need to do some investments tht will earn me some interest how do i do that?... |
|
 If i`m 13 can i get involved in online stocks? if no, why not? |
| I just wanted to experiment and have some fun with a few bucks... (im on my psp, will it work on it?)... |
|
 What is a good stock? I need to pick a decent one for class.? |
| I need one for finance class. Nothing major, don't really care about the details at this point. I realize hardly any are doing good right now but Please tell me which one(s) are doing fairly ... |
|
 Help me i really feel like dying...? |
| i really hope any adult who financially is sound can help me out in this mess. i am a promising young man but now in this situation... help me please..... |
|
 What should I do with 2,000 Dollars? |
| I was wondering if anyone had any opinions as to how to invest, or start something small with 2,000 dollars? Maybe something related to a certain buisness, and so forth, I don't want the money ... |
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dominiki123 | How can i make a profit in my 401K? |
I've has this account for a year and my balance is only $750.00 my base salary is around $30,000 Yr. Is there something i can do to make that $750 a lot more? These are the companies that i can choose to invest in How do i know which ones to choose from. How much do i invest in each? Any tips???
SSgA Government Money Market Fund
SSgA Stable Value Fund
DWS Core Fixed Income Fund - Class A
The George Putnam Fund of Boston - Class M
Fidelity® Advisor Equity Income Fund - Class T
American Century Income & Growth Fund - Class A
SSgA S&P® 500 Index Fund
SSgA Large Cap Core Equity Fund
Janus Adviser Forty Fund - Class S
T. Rowe Price Mid-Cap Value Fund - R Class
RS Value Fund - Class A
DWS Mid Cap Growth Fund - Class A
SSgA MSCI EAFE Index Strategy Fund
Templeton Growth Fund, Inc. - Class R
Allianz NFJ Small-Cap Value Fund - Class A
SSgA Russell® 2000 Index Strategy Fund
Alger SmallCap Growth Institutional Fund - Class I
AllianceBernstein Global Technology Fund - Class A
Additional Details
My employer matches 100% of what i invest and up to 1% of my salary. ...(I think?!?) |
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digdowndeepnseattle
 |
the individual who said put it in the s&P 500 is correct. It's a relatively low fee fund that matches the performance of the S&P 500. Leave it there and then start doing research on investing. read all you can over the next few years. As you learn more you'll have a better understanding about investing and you'll be able to diversify. At that point (hopefully you'll have been still putting money into your plan) you'll have enough in the account to properly diversify. One thing to avoid is front end load funds if you can...typically Class A funds. They charge huge front end fees and you only reap the benefit of those funds if you stay in them for an extended period of time.
And the person that said banks make more off of 401ks and to put your money in tbills is dead wrong. inside a 401k your assets purchase mutual funds. This is not cash...the bank can't reinvest. they can charge high fees for administering a plan but they simply can't reinvest your deposits. It's not like a regular bank or savings account. And, if you are investing your retirement money in tbills or other vehicles that are designed to provide modest 3-4% returns then you'll be losing out in the long run. Inflation runs about 2-3% annually. This means you'll only earn at most 2% (difference between inflation and return on investment) on your money. Any returns less than inflation means you would actually be better off buying the item now then waiting to buy it later. Things cost more in the future and your money has to exceed that percentage increase or you'll be worse off then you are now. |
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FaxMan
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Lots of answers to this question. The easiest answer is to just put it all into an index fund such as the SSga S&P 500 Index fund. The majority of managed funds, over time, fail to beat the indexes.
Remember to keep a long-term perspective on things. Don't worry about what the market is doing today, tomorrow, or even three years from now. You won't need this money until you retire. |
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Doctor Deth
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I currently have 50% of my 401k in a small cap fund (your is listed as Allianz - 4th from the bottom) - it's actually made some money for me in the last month after my account lost money for 5 months in a row, so I'm keeping it in there for awhile - they say the worst may be behind us - put 25% in the American Income and Growth fund - that has dividend income which is a little more stable than just waiting for capital gains and put 25% in DWS Fixed income - those 3 will spread out your risk a little bit into different types of investments |
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titanide
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Unfortunately, nothing's really making much money right now. The economy is in real bad shape, so everyone's investments are either sitting still, or losing money.
Just keep checking the status of the funds (most 401K plans link to a website that will show you how each one is doing). Don't make changes every day, but if you see a fund is doing badly, and hasn't improved for the last few months, then change it to something else. Make sure you've got your money going into a wide range of funds (DON'T put most of your money in your company's fund; that never works out).
Other than that, just keep putting in money. $750 after a year is not too bad. |
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src50
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The key is asset allocation. You're young (I'm assuming), so you need growth - which means mostly stock funds. A good asset allocation might be:
40% large cap domestic stocks (S&P 500 index or similar)
30% international stocks
20% midcap stocks
10% bonds
You only need three or four funds to get good diversification. |
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lestatsville
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no profit till stock market rises |
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daddyporky@verizon.net
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in my opinion the bank makes more from a 401 k they use the funds to loan out... your best bet is something simple us savings bonds... right now the i bond is your best bet.. you cant cash it for 5 years.. but the intrest keeps getting put on the initial investment and in five years you have a gauranteed amount... the 401 k interest rate and terms vary allways to suit the bank.. and if you need some cash they really garnish you.. and even report you to the irs... even e bonds with the fixed rate for life is better.. in may and november the rate changes.. now the rule is he same rate you got is the rate for 30 years.. it will not go up or down..call the federal reserve in pittsburgh.. they will give you the current e and i bond rates.. and when you retire and start to cash thease in you will be content...ok gilermo.. |
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riku lee
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ask your friend |
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Vernon Dozier
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Why are you bothering people with this question? Talk to the financial company your employer does business with. |
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