Comments on: 5 Ways to Maximize the Return on your 401k http://moneyning.com/401k/5-ways-to-maximize-the-return-on-your-401k/ A personal finance blog where we share insights on carefully saving money, investing, early retirement, mortgages, stocks because the little things matter in achieving financial freedom! Sat, 21 Nov 2009 02:16:11 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: Curt http://moneyning.com/401k/5-ways-to-maximize-the-return-on-your-401k/comment-page-1/#comment-7188 Curt Mon, 16 Jun 2008 21:05:27 +0000 http://moneyning.com/?p=918#comment-7188 Great ideas, thanks. It seems like the entire world of markets are going down. It's getting harder to find a safe place. Great ideas, thanks. It seems like the entire world of markets are going down. It’s getting harder to find a safe place.

]]> By: Mary_Freebies http://moneyning.com/401k/5-ways-to-maximize-the-return-on-your-401k/comment-page-1/#comment-7059 Mary_Freebies Sat, 07 Jun 2008 22:40:46 +0000 http://moneyning.com/?p=918#comment-7059 Congrats to the wifey for being so lucky, but she ain't gonna keep the money, oh nos! Family members are never eligible for one's giveaway. C'mon! It spoils the fun! She's gonna hate me for this, but that's my opinion! :D Congrats to the wifey for being so lucky, but she ain’t gonna keep the money, oh nos! Family members are never eligible for one’s giveaway. C’mon! It spoils the fun!

She’s gonna hate me for this, but that’s my opinion! :D

]]> By: MoneyNing http://moneyning.com/401k/5-ways-to-maximize-the-return-on-your-401k/comment-page-1/#comment-7035 MoneyNing Fri, 06 Jun 2008 22:17:16 +0000 http://moneyning.com/?p=918#comment-7035 philip: I actually agree with the 30-50% global rule. You need to realize that global does not mean emerging. Think about the world economy, world consumption, financial strengths etc and you wouldn't feel like 50% is that far off base. The only reason why we invest so much of our money in the US is because we actually live in it. If you were in China say, you might have 0% in US stocks and they will have the same question when someone said they should invest 50% in non-Chinese stocks. Target Retirement funds are a good idea but I just don't see why someone just can't separate the mix themselves. I just know that the more transactions, the more money people are going to charge and that's never a good thing. The inflexibility of these funds (as you described of 10% bonds) is another good reason to stay away. I feel that the target retirement funds is really for the laziest of the lazy people and also the ones that just don't want to deal with anything investments. I'm not sure if other readers will agree to what you said about letting my wife take the money but it's her decision. She said she will get back to me about this :) philip: I actually agree with the 30-50% global rule. You need to realize that global does not mean emerging. Think about the world economy, world consumption, financial strengths etc and you wouldn’t feel like 50% is that far off base.

The only reason why we invest so much of our money in the US is because we actually live in it. If you were in China say, you might have 0% in US stocks and they will have the same question when someone said they should invest 50% in non-Chinese stocks.

Target Retirement funds are a good idea but I just don’t see why someone just can’t separate the mix themselves. I just know that the more transactions, the more money people are going to charge and that’s never a good thing. The inflexibility of these funds (as you described of 10% bonds) is another good reason to stay away.

I feel that the target retirement funds is really for the laziest of the lazy people and also the ones that just don’t want to deal with anything investments.

I’m not sure if other readers will agree to what you said about letting my wife take the money but it’s her decision. She said she will get back to me about this :)

]]> By: philip http://moneyning.com/401k/5-ways-to-maximize-the-return-on-your-401k/comment-page-1/#comment-7034 philip Fri, 06 Jun 2008 22:10:27 +0000 http://moneyning.com/?p=918#comment-7034 Wow, do you agree with the suggestion of 30-50% going into global funds? That seems like a huge portion of your account to invest in a sector, much less the global. I know there is so many more businesses worldwide argument but still seems high. What are your thoughts for people to use Target Retirement funds? For someone that is not going to actively control theirs they seem to handle some for you, only problem I see is even with their 2050 retirement fund they are 10% in bonds which seems useless. BTW your wife is a reader too I assume, let her go have some fun with her free money :) Wow, do you agree with the suggestion of 30-50% going into global funds? That seems like a huge portion of your account to invest in a sector, much less the global. I know there is so many more businesses worldwide argument but still seems high.

What are your thoughts for people to use Target Retirement funds? For someone that is not going to actively control theirs they seem to handle some for you, only problem I see is even with their 2050 retirement fund they are 10% in bonds which seems useless.

BTW your wife is a reader too I assume, let her go have some fun with her free money :)

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