What is the best alternative for 401k and good investment ideas ...

What is the closest to 401k if your job does not offer oneAlso what is good for investment I have troweprice account and a bookerage account from chase.

Basic things about What is the best alternative for 401k and good investment ideas

401(k)
The 401(k) emerged as an alternative to the traditional. made after-tax contributions to the non-Roth 401k. This penalty is on top of the ?ordinary income? tax.

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Self-Directed IRA
Other alternative investments include: commodities, hedge funds, commercial paper, foreign stock, royalty rights, equipment & leases, American depository receipts, and U.

Roth 401(k)
401(k) IRA matrix ? 401k & IRA comparisons (401k vs Roth 401k vs Traditional IRA vs Roth IRA) 403(b) Individual Retirement Account; Internal Revenue Service

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An IRA is probably your only alternative to a 401k account. As a tip always open your IRA as a brokerage account even if you dont intend to buy stocks. This way you can move in and out of investments as you see fit. Of course this only applies is you plan to manage the account yourself. If you have someone managing the account for you then they will let you know how they will manage your account.

Best 401k Plans

Best 401k Plans ? 401(k) plans are an alternative to traditional pension plans that has moved the responsibility of saving for retirement from employers onto workers.

To use Self Directed IRAs and 401Ks to buy Tax Liens and deeds. The Best IRA 401K Alternative investment. Free IRA 401K training ebooks Retirement accounts.

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I am currently working in the US. I have a good 401k plan. I am considering moving to Germany. They do not have anything like a 401k plan. I am just trying to find out which system is better.

In Germany your contributions to the state pension plan their alternative to the 401k plan make up a certain deduction percentage of your salary. That percentage may well be the same as the one you currently pay in the US for the 401k plan. I would say the current German system has at least one advantage over the 401k planAt the stage where in the US you may have run out of money late in life the German state system would continue to pay you at the same rate. What do you do if youve got enough money to live to 90 and medical progress has made it possible for you to live to 110 We are talking far away in a future which may be pretty amazingly long.

By the time youd be old there would be so many others like you percentagewise that their financial wellbeing at current rates would be questionable. After all the system works on contributions by those who are currently working. There is doom and gloom talk already with regards to that. Also in order to benefit you need to have paid in for a certain number of years ideally 30 or more.

I currently have two children in college. I am 55 and have a large amount of my savings in my 401k. I do not have cash to help them pay for tuition and my retirement 401k savings prevents my children from getting student aid. Is it possible to withdraw money now from my 401k to pay for my childrens tuition without any penalties.

Unfortunately no. Federal laws do allow for a socalled 401k Hardship Withdrawal under certain circumstances but those hardship withdrawals are all subject to the 10 penalty AND taxes. This is a bad financial strategy and should always always be a last resort. One possible alternative is the 401k Loan. The government allows 401k administrators to make these loans but no administrator is required to offer them. Some companies find that the administrative costs of a 401k lending program are too high to undertake.

Youll need to contact your plan administrator to see if a 401k loan is available to you. I dont know if its an option for you but if you have an IRA the IRA rules allow you to withdraw up to 10000 penaltyfree if the money will be used to pay for the higher education of a spouse a child or a grandchild. Im sorry that the news is not good. Please consult with a financial advisor before seriously considering taking a penaltyandtax withdrawal from your 401k. Because you are under 59 12 years of age you will lose up to 35 to 45 of the money you withdraw in penalties and taxes.

I hope this helped.

What is 41K four one K. Im not sure how this is spellt. It has something to do with money savings. Can yoou explain what it stands for and how it is spellt correctly. And of course what it means. Thanks.

It is 401Kfourohonekay onlyA 401K is a retirement plan where you can take a portion of your income before taxes are calculated and place it in a retirement account. When you start withdrawing the money after retirement you pay the taxes on it then. Some employers will also contribute money to your 401K. If you are an educator you have a 403B but it is nearly the same thing as a 401K. If you are just starting out in your career put the maximum you can into a 401K or the alternative Roth 401K where you deposit the money after taxes.

401K Alternative???

To search for some kind of alternative to the traditional 401K as i simply dont have that much faithHey guys im looking to get some advice on a potential 401KLife Insurance alternative. I hadIf you no longer have access to a 401k are you eligible to fund a Roth That would be my first .

If you no longer have access to a 401k are you eligible to fund a Roth That would be my first. It is NOT an investment regardless of what some salespeople may have you believe.Stick to either a 401k anything with an IRA and you have ? .

401k

My wifes company does not match 401k and her plan options are lacking. I am satisfied bracket this year had we not contributed to my 401k it would have been 28 and would not be able to get. If thats more important than the Roths alternative advantages then maxing the 401k first could .

If thats more important than the Roths alternative advantages then maxing the 401k first couldI would have her put 5K into a Roth while you put enough into your 401k to get the full company match. Then put 5K into your Roth. ? .

When did you start to max out 401k?

How old where you when you first started to max out your 401k contribution limitsI think manywife made 8k which went towards her student loans and spending money and has no 401k optionsbut 401K limit was only 15K back then I first began making maximum contributions to mine when .

But 401K limit was only 15K back then I first began making maximum contributions to mine when and I we contribute enough to max out a single 401k its just split into two 401ks. 24. Annual base I was 27 or 28 7080K depending on .

401K Loan

I have read say never borrow against your 401K. I have always practiced this but I was thinkingit off it will enable me to max out my 401K and add another 19K in 1 year.Now Im not going to dorate is the problem then consider a low interest alternative like a Pendfed 5 year arm .

Rate is the problem then consider a low interest alternative like a Pendfed 5 year arm the 401k loan to pay off your house. You then pay off the 401k loan over the next year. So instead of making the payments to the bank ? .

I choose funds for company 401k

I am able to choose the funds that go into my company 401k. Unfortunately they dont offer Vanguardthese are not the only funds in the 401k. We have targeted retirement date funds and a bunch more. My questionTotal BondTIPSIV. AlternativeReal EstateYou may consider the addition of a Stable Value Fund .

These are not the only funds in the 401k. We have targeted retirement date funds and a bunch more. My questionTotal BondTIPSIV. AlternativeReal EstateYou may consider the addition of a Stable Value Fund the funds that go into my .

Say goodbye to 401k.

Traditional 401k and IRA retirement accounts by rolling them into a government managed GuaranteedRetirement Account or GRA. For the most part save in alternative media circles the reports have beenwould move to seize traditional 401k and IRA retirement accounts by rolling them into a government .

Would move to seize traditional 401k and IRA retirement accounts by rolling them into a government managed Guaranteed Retirement Account or GRA. For the most part save in alternative media circles .

I owe $79k on a 2-unit apt house that might bring $60-70k. 401k (around $?

I owe 79k on a 2unit apt house that might bring 6070k. 401k around 10k. Considering Deed but normally only will consider this alternative when the monthly mortgage payments fall in arrears. A shortI owe 79k on a 2unit apt house that might bring 6070k. 401k around 10k. Considering Deed in lieu but wondering .

But normally only will consider this alternative when the monthly mortgage payments fall in arrears. A short .

Total Bond Fund or Stable Value Fund

In the believe that it is a safer alternative to TBF in the sense that I have no price riskin this interest rate environment. This is in a 401K account. I can move money out of the 401K into my 401ks from Fidelity to T Rowe Price. I noted at that time that the T Rowe Prices stable value fund .

The 401ks from Fidelity to T Rowe Price. I noted at that time that the T Rowe Prices stable value fund Vanguard Total Bond and TIPS funds 5050 in my IRA and a stable value fund through my 401K. Given of my total portfolio in .

Growth and EuroPacific funds

I own both RGAGX and RERGX in a company 401k plan. The funds have declined this last year becausefrom the 401k for several years. Should I ride this out or consider moving the funds elsewhereMany thanksinternational holdings or look for an alternative international fund As you say were going .

International holdings or look for an alternative international fund As you say were going in the menu of options.dtconroe Dt same here. My 401k dropped Growth Fund of America in November but retained Europacific. Another state ? .

Bond Fund Concerns ? Need Advice

Most retirment funds are in 401k and rollover IRAs with Vanguard. Am concerned that interest ratesat this point. My wife is retired. Will TIPS be safe I feel I need an alternative to bond funds other thanQuote Most retirment funds are in 401k and rollover IRAs with Vanguard. Am concerned .

Quote Most retirment funds are in 401k and rollover IRAs with Vanguard. Am concerned at this point. My wife is retired. Will TIPS be safe I feel I need an alternative to bond funds other this out .

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