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are these worth anything?
help!! i am thinking of getting these but i don't know much about them. can you help?
thanks p-
http://cgi.ebay.com/ws/e... |
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marisa g | My husband has about 20,000.00 in his 401k adn I have been put in charge of investing it what should i do? |
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 |
 
BigBen
|
Learn to invest
Step-by-Step Stock Investing for Beginners
http://www.stock-investment-made-easy.com/ |
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ogg08
|
what's his age? what's his risk tolerance... low, medium, high? when does he plan to retire? and it's great that his has 20k... |
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Cory Z
 |
find a broker. |
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derobake
 |
You will need to learn some basics on investing in mutual funds. Any of these books can help:
1) Mutual Funds for Dummies, by Eric Tyson
2) http://www.invest-for-retirement.com has a free downloadable book. By far, chapters 19 and 23 are the most important. You should at least read those if you don't have time to read the others.
3) The Boglehead's Guide to Investing
You will want to focus on the two aspects of your portfolio which will determine most of the risk and return in the long run: asset allocation and costs. Academic studies show that your stock to bond ratio plays a major role, whereas the specific funds and stocks within the funds only have a minor role. Also, small differences in costs compound to very large differences in wealth over long periods of time. In chapter 19 of my book, I show how for every 0.5% increase in overall annual expenses, you will fall short bt $100,000 or more over a period of 30 years. Costs are a much better predictor of future performance than past returns or Morningstar ratings. |
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Bryan A
 |
Marisa, first look at the different investment options your hubby has in the plan. Look not just at whether it's "large cap growth" or "international bond" or whatever the category is, but the actual performance of the actual fund his plan actually uses. As an overall guide, in terms of TOTAL asset allocation, you would probably want to have 60-80% in stock mutual funds (in various sub-categories), 20-40% in bond mutual funds and/or money market investments (make the money market just a small part). Generally speaking, in most market conditions, this will provide the best mix of long-term growth with a little bit of cushion via the bonds for variations in the market. It will still have plenty of ups and downs, but should grow over the long haul.
As hubby gets older and the account grows, you will probably want to start slowly ratcheting down the risk profile of the account, more to like a 50/50 mix -- more in bonds, less in stocks (unless YOU'VE done really well on your own, love stock investing and just want it to grow even more!) That kind of 50/50 mix should be good right near retirement, at which point you'll need to reassess again in terms of risk level, other income from Social Security, other investments, pension, etc.
Oh, and if it seems more complex than you want to handle, tell him to find a financial planner or broker and make HIM do it (you've got a life too, you know lol)
Good luck |
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bob shark
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Get a financial advisor...If you don't know where, start with the bank you deal with.
This is too important to jump into with no knowledge. |
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Andy
 |
Investing depends on time horizon. If you will not use the funds for seven years or more, invest 90% in stock funds and 10% in a bond fund (or stable value fund). Over the long term, a 90% stocks/10% bonds mix does better than a 100% stock allocation. Invest in large company stock funds, both domestic and foreign.
Be sure to check out your company's 401k web site. Most 401k providers have websites with lots of information about the funds etc. If you don't have that kind of resource available, tell your employer to change 401k providers. |
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reymop
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Depends on his age. The older and therefore closer to retirement someone is, the more conservative the investing should be. Therefore the opposite logic stands for someone in their 20s or 30s, the investing should be very agressive. All and all the best idea is to talk to a financial professional who does not charge for a financial analysis. While it may take a few calls, there are plenty of us who do not charge for this service while others charge an arm and a leg. Good luck. |
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