retirement planning

I'm trying to make some retirement plan calculations right now. My 401k is invested in a 2050 target fund. What type of average return do you think we will see in the stock markets in the next 40 years, less inflation? I've been putting 6% in my calculator. Think this is high? low? Just take a...

YouTube - Government and Retirement Planning

Looking for some advise, education and information. My girlfriend has a retirement account through her union. The union is no longer contributing to it. She must move it to another account or cash out. Cashing out is out of the question. Waaaaaay to much taxes. She has about 6,000 in it. What...

You should I continue investing in... http://www.marketwatch.com/investing/fund/rerfx The company I have has company match, that's the only reason why it even seems appealing. Should I continue invest into it, or just stay out of the 401k game all together?

What would be the affect if every American withdrew money and bought PM's?. Put IRA into PM assets? Just curious? Say, 50 - 90% of their total assets was PM backed. 10 - 50% for day to day ops.

Let's put stock market, Federal Reserve, commodities and other magic tricks with investment aside. The main argument I hear about "saving for retirement" is "tax deferred". But if you're around 30, and retirement is 30 years from today. Doesn't it make sense to pay off your mortgage first...

I've seen an article that said that the average American has less than 3K in his retirement plan, another that said they have 15k, another just the other day that said 54K. Wonder what the average really is? What I'd really like to know is what the average retirement plan has in it based on...

if you had a small 401k(20k or so) you hadn't thought about in a while, invested in a mix of mutual funds, what would you do with it? Im pretty sure the stock market is going to get hammered again...

After mortgage and monthly bills, I am spending the majority of my paychecks paying down credit card debt (totalling about $19K). I have about 22,000 in a 401k. Because I have almost no faith in the stock market for the forseeable future, I am considering cashing out my 401k to pay off my...

My retirement Is through the LOCAL UNION I belong to. I have asked for it and they claim that I have to Quit the Union then I can't touch it for 2 years then I can have it transferred. Do you guys think I can sue them to get the funds? ps. I'm not retired. I just want to get my money out of...

So how many are still dumping money in their 401k? I have been thinking to stop throwing my money at it or change how i invest it? So i was thinking to start a thread to talk about what people are doing these days with their 401k plans.

Okay, I intend to work 5 more years - until I am sixty. I have my money in the company profit sharing plan, mostly company stock. I would like to take all the money in one chunk when I retire and buy some property - a little farm in the boondock or a place on a remote lake - but I figure I...

If you don't trust stocks, is it possible to roll a 401k into an IRA and put it all into something like Gold Eagles? Or does this all depend on your company's stipulations?

http://www.consumerreports.org/cro/money/personal-investing/nest-egg/overview/nest-egg-ov.htm What do you financial wizards think of the advice consumer reports gives? :confused:

I heard rumors that the Government might transform 401k's into something like Social Security. I was thinking about paying the penalty, liquidating my 401k and putting it all into gold. Then I heard from someone at my company that I could borrow against the money up to something like 50 per...

I have a smallish 401k (actually a 401a) from a previous employer that I've neglected to do anything about.. it's less than $10k. I submitted an app to Europac a couple of weeks ago and got a call from them about setting up an account but they haven't set the account up. I tried to make it...

So my companies 401k manager came and spoke during our recent national sales meeting. he kept harping on the difiicult times that lay ahead and how the frozen credit markets and loss of confidence has busted up the economy. He also said it was a great time to buy! (sidebar: i recently dropped...

I can sign on to my employer's 401(k) soon, and my employer is offering matching funds up to 3% contributions. Do I make money by contributing up to the 3% to get the matching funds if I decide to do an early-withdrawal right away? Thanks for anyone's advice!

I know many of you out there are taking a brutal beating on Retirement Plans. Has anyone cashed out and moved their money into something a bit more stable?

My family invested in mutual funds for retirement that aren't FDIC insured, and it already lost about $46,000 because of what's been going on in the economy. They want to go talk to the bank (Wachovia) about what they should do, but I don't trust these bankers, especially after learning about...