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5 Things To Know About The Stock Market
50% Of U.S. Households Invest In The Stock Market Individuals invest in the stock market directly, through mutual funds, their pension plans, profit sharing plans, 401k's, IRA's, etc. Mutual Funds Dominate The Market It is mainly the...
Contrarian Strategies: Selecting Small Capitalization Stocks
INTRODUCTION
Contrarian investors are often ridiculed by the rest of the investment community for their stubborn, illogical view on the stock market. When everyone else is running for the sidelines, contrarians are buying and when the rest of Wall...
No Load Mutual Funds: Boost Your Portfolio's Returns
Investors who exclusively use broadly diversified, no load mutual funds for their stock investments often lose out on opportunities to increase the reward potential of their portfolios. This article looks at two methods investors may use to...
Raising Money
Raising Money It isn't cheap. It isn't easy. The winners in the rush for risk capital are the CFOs (Chief Financial Officers) who understand how to play the money game. Private companies seek risk capital from American Venture Capital Firms (VCs)...
SECRET FEES MAKE MUTUAL FUNDS BILLIONS AT YOUR EXPENSE!
Many investors think that investing in mutual funds is free. What nonsense! Funds collect more than $50 billion a year in fees from investors. That is truly a ton of money. The first way you get hosed in a mutual fund is due to high fees charged....
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Funding Your Retirement: The 401K and 403B Way
Saving for your retirement doesn't have to be a nightmare as long as you are
aware of your options. For now, we're focusing on 401K and 403B retirement
plans. These two plans are essentially the same except that for-profit
companies use 401Ks and non-profit companies, such as the government, use
403Bs.
An employee contributes to a 401K plan with pretax salary. This means that
this account appreciates without taxation until you retire or leave the
company. So, 401K contributions are not included in your reported income.
In essence, you receive an immediate tax deduction for your contribution.
Many employees offer an automatic payroll deduction, so there isn't any extra
effort involved for you. Matching contributions or partial matching
contributions are other incentives offered by employers. For instance, my
employer matches every one of my dollars with a quarter. Sounds like small
potatoes, but remember the beauty of compound interest.
Of course, there are rules and regulations. You are typically limited to a
percentage of your income or $10,500 annually, whichever is less. So what
happens if you leave your company? You have 3 options: leave it as it is,
roll it over into another tax-deferred retirement account such as an IRA or
withdraw it all. However, early withdrawal penalties, that is before age
59-1/2, are stiff. Usually, it's a 10% penalty plus any taxes owed. So, if at
all possible avoid withdrawing any funds before age 59-1/2.
Your 401K portfolio should be chosen carefully, weighing age and risk
factors. The older you are, the less stock you should have in your portfolio.
Many financial advisors suggest that your portfolio percentage of stocks
should be your age subtracted from 100. Therefore, a 25-year-old' s portfolio
should consist of 75% stocks. However, if you're not comfortable with that
level of risk, then simply chose fewer stocks. Do remember this: over the
last century the stock market has returned an average of 11% (this includes
all wars and the Great Depression). Your plan will most likely offer 4 to 7
investment options of mutual funds, stocks, bonds, etc. for your portfolio.
My company provides 10 options of which I have chosen 5.
Chose wisely and consider how much risk you are willing to take. Most of all,
you need to be comfortable with your choices. If you need further assistance
in choosing your investment options, check out www.morningstar.com or the
MorningStar books at your local library.
About the Author
MomsBudget.com - Providing financial resources for women who
happen to be mothers. Sign up for our newsletter by sending an e-mail to
momsbudget-subscribe@topica.com
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