Nicaragua Builders and Contractors

 

But look at the expense ratio of the funds in your 401(k) – some can be as high as 2% per year! That means your $1.1 million dollars is now worth $745,000 (assuming an annualized return of 8%). The fund company took $350,000 of your money!!

The government is discussing a new bill “401(k) Fair Disclosure for Retirement Security Act of 2009” in which the funds offered have to disclose their fees and expenses in a plain-English way to their participants. This is excellent news, but this may not be the only answer people need. People need financial education.

 A strategy that is frequently used by financial advisors is the “401(k) match / Roth IRA” strategy.

If you invested $500/mo in your 401(k) and made a 10% annualized return over 30 years, you would end up with $1.1 million dollars. Sounds great!

Pick an in-expensive fund (based on the expense ratio and your overall asset allocation) and invest your money there. Do look at the performance of the fund as well, as some cheaper funds are also poor performers, and some expensive funds have outperformed the market for years. Use your judgment as an educated investor we are teaching you to be!

Companies mainly do contributions in 2 different ways (however there may be some other variations in your company plan): Contributions on base salary or a match on your contributions. For example:

 

Now step 3. A rule of thumb for retirement savings is to try and save 15% of your income. Assuming you have not reached this guideline by steps 1 and 2, it’s time to return to your 401(k).

How do you make the most of your 401(k) and invest wisely? How can you stop giving your money away to the fund companies?

Now you should continue your retirement savings using a Roth IRA. This savings vehicle is an amazing tool. It lets you pay taxes on your contribution now, lets it grow tax FREE and you can withdraw the money and use it in your retirement (as well as other situations) TAX FREE. You do not pay taxes on the growth at all!

 

There have been a lot of news reports recently about 401(k) plans becoming more transparent.

Assuming our example above, if you put $500/mo into a Roth IRA over 30 years, you will have paid taxes on $180,000. However, after those 30 years, you should have around to $1,000,000 to use TAX FREE!

 

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