Posts Tagged ‘401k’

Recently I spoke to a friend about his retirement savings, and we ended up looking at his 401k portfolio. Although he isn’t able to contribute the maximum amount each year, he contributes enough to take full advantage of the company match. However, when I looked at his investment asset allocation, I was horrified. [...]

Many financial professionals and experts advocate that we keep at least 3 months of living expenses in liquid investments such as CD, money market, and high-yield savings. If you have any doubt regarding the validity of this advice, here are 10 reasons that may change your mind.

Photo from morgueFile
If you are in a money [...]

In the previous lesson with my wife, I taught her about various investment vehicles available at our disposal. This time we discussed choosing the right tool for the job; that is, choosing the best investment option available for various savings goals.

Photo from morgueFile
Common Savings Goals
First, we reviewed some of the more common savings goals. I [...]

My 401k allocation is too aggressive. I have been reading a few books (e.g., The Intelligent Investor by Benjamin Graham, Wise Investing Made Simple by Larry E. Swedroe), and many web sites. I am now at a point where I think 100% equity asset allocation for my 401k is too risky — even for a [...]

In “Beating the S&P 500, part 1,” I showed you my my investment performance that beaten the S&P 500. In this post, I will show you another way to look at these numbers and reveal how I managed the feat.
Here is a different look at the numbers
The following table shows how $10,000 invested in my [...]

You may have heard the phrase “beat the market. ” In this case, the market usually refers to the S&P 500 index. There are other U.S. indices such as, DJIA, NASDAQ 100, NASDAQ Composite, Russell 2000, Wilshire 5000, and many other domestic and international ones. However, the S&P 500 is by far the most used [...]

This week roundup will focus on the subject of retirement. Something I look forward to hopefully sooner rather than later. The way I see it is that you can truly retire until you achieve financial independence; and that is what I want.
Financial Dominance wrote What Do I Need to Retire? and share with [...]

As you may already know, our Social Security system is in crisis. Even if it is not, the money you get from Social Security may not be enough for your retirement. Many people do not place retirement planning as a high priority subject. This is especially true when life is hard right [...]

I want to share with you how I saved my first $250,000. Of course, your result will vary depending on your income, saving options, and ability to save.
Automatic-Investment Plan (AIP)
I started working in 1996 as a contract worker, so I didn’t have any 401k plan. Personally, I am not a budgeting type, so [...]

This blog is officially 2 weeks old, and I came across many interesting people, blogs, and posts. Here are this week highlights:
The Dough Roller shares his 10 Things I Now Know at 40 That I Wish I Knew at 20 — a great read for younger folks. I committed a few of these [...]