I think the problem was, the few interested were looking for answers, not information/knowledge.

oh well. their loss.. hopefully MY GAIN! hahah ;)

Too hard to answer that question without more info... use? Term? Age? Other funds? Etc.

If you're well set already - and middle aged -- go for some gusto... if you're an old coot and have no money and lots of debt -- a different response. :woot:

It went over pretty good. He came to talk to me personally. Then he gave me the pink slip and told me to get out!!
Just kidding we talked for awhile he explained a few things. Basically they aren't changing the investment stuff. So Im going to let it sit there and collect dust.
The one 401k I do have I'm going to roll it over into a IRA and take control of it and make my employees make me some more employees.

Many many lazy people out there.... and they just don't want to have to do ANY work. That's their problem not ours. :thumbsup:

When we're enjoying our well deserved retirement -- they'll be wondering how to downsize their house - their cars - their lives... to fit with the meager amount of money they have to live on. Sad.

Stop contributing to the company 401K and put that same money into a ROTH IRA -- or another 401 that you open. There's no limit on how many you can have... just a limit to how much you can contribute.

As we discussed -- you're going BACKWARDS in the company 401 -- a monkey throwing darts could do better! Even if the company is matching dollar for dollar -- you're going backwards... (and of course they are not!).

If you would oblige, how about a little more Non-Investing 102? A lot has already been said to the effect of paying down debt before investing. My wife is in school, so we're borrowing from the government under their nice ''interest accrues upon disbursement" plans. By the time she graduates, we will have a California-house-sized loan that will even make the numbers Greg is working with look small. :lol: In the meantime, we have a buffer, and are continuing to keep our accounts flat...adding money towards our savings or retirement accounts now will just hurt us later.

Perhaps the experts in here will weigh in more succinctly...


A lot of people say you should attack the loans with the highest APR first. To me, it seems like the mathematically advantageous approach is to pay down the loan with the greatest overall accrual growth.

As an example:
100*5% APR = $5/year
50*8% APR = $4/year
So you pay down the $100 loan until the annual accruals are equal (at $80) then pay them down equally, no?

Bellevue is the Beverly Hills of Washington... there are so many high tech companies here... and national headquarters for many really well known companies. When I start to rattle them off for people -- they're blown away...

Microsoft - Amazon - Starbucks - Costco - Paccar (Kenworth and Peterbilt trucks) - Zillow - Expedia - Nordstrom - Alaska Airlines - Nintendo - T Mobile... just to name a couple.

a couple... hahaha... yeah, i do remember it being pretty nice around there!

Go get em boy...i have an old 401K, and i am getting 10% out of that Dog..

Good Hunting on getting your 401K to at least grow over time... It should be doing well, especially right now...Change that puppy soon...:cheers:

I need to tackle my 401k too. ugh. mutual funds are a whole nother ball game. lol