401(k) funds

At least once  a year, if not more, you visit the dentist and doctor to make sure everything’s working properly – why not give your finances the same opportunity? As we approach the busy holiday season, it’s easy to let attention slip from personal finance. If you find yourself barreling toward the end of 2009 [...]

With the recent stock market crash, many people are understandably wary about investing. Concerns about the volatility of the stock market, and the prospect of losses during downturn, have convinced many that stock investing is not for them. However, “safer” investments like cash and bonds may not provide the needed returns for your portfolio to [...]

We hear a lot about diversifying across asset classes — owning stocks, bonds, real estate, etc. We also hear a lot about diversifying within asset classes — owning mutual funds of hundreds of stocks rather than owning a few individual stocks. But there’s another, lesser-known form of diversification from which you could benefit: Tax diversification.

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When you are leaving a job where you have contributed to a 401k plan, you have three options: cash out your 401k, keep it in your current plan, or move it to another qualified retirement account. A qualified retirement account could be your new employer’s 401k plan, a Traditional IRA, or a Roth IRA. The [...]

On occasions when I discuss interest rates or investments expenses, I get comments saying that rate chasing is not worth it. To show you that rate chasing is worth it, I am going to show you some math. One percent may not seems like much, but given enough time, 1% is much bigger than you [...]

Dave Ramsey’s Baby Steps is a financial plan designed to help you get your finances in order, get out of debt, and achieve financial freedom. Dave Ramsey has taught these Baby Steps to millions via radio, The Total Money Makeover, Financial Peace University, and on DaveRamsey.com. In this article, I’d like to walk you through [...]

In this Ask The Expert With Larry Swedroe article, Erin from Working for Financial Freedom wants to learn more about contribution limit for Roth 401k.  She also wants to know if and how she should split her investment between traditional 401k and Roth 401(k).  Here’s the question from Erin:
Is there a limit to how much [...]

This article is part of the Ask the M-Network series.  The question in this article reference my prior article, Everything You Ever Wanted To Know About Asset Allocation.  The question is about how an investment portfolio can become unbalanced and why should you buy more underperforming assets.  Here is Botong’s question:
Hi, I was just reading [...]

Debt consolidation companies often give you a fantastic pitch that promises to help you lower your monthly payments and eliminate debt.  All you have to do is work with them, combine all your debt obligations into one low monthly payment, and save tons of money.  Is it really that fantastic, or just a fantasy?
Personally, I [...]

It’s tough losing your job. Unfortunately, it’s that much more possible in this economic recession. There are many things to do when you get laid off; one of them is deciding what to do with your 401(k). When you are laid off, you have the choice of leaving the 401k funds in your current plan, [...]