"bpuharic" wrote in message
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On Mon, 19 Jul 2010 03:08:07 -0400, "D.Duck" wrote:


"bpuharic" wrote in message
. ..

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not a single 401K manager has beat the market in the last 3 years.

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First of all, YOU and all participants are the managers of of 401K plans
within what is offered by your company.

irreleevant. show me a 401K funds manager that's beating the market
with a positive rate of return over the last 2 years...


Go to the link below and plug in "Up more than 0%" for the 3 year return
option of the screener. The other entries remain in the default setting.

http://screen.yahoo.com/funds.html

and here is where you're confused. 401K's are managed by fund
managers...the funds they manage CAN do pretty well on an individual
basis. yet, unless you're a full time manager yourself, you have NO
idea which ones these are going to be.

I'm not confused. When I was working the 401K I had options to invest in.
There was a group of mutual funds, some government obligations and a
GUARANTEED interest option. If you, THE MANAGER, selected the guaranteed
interest option you would not have lost a penny in the last three years. Or
"I" could select a single mutual fund for my money.

If you work for a company that makes these choices for you, maybe it's time
for a new job with more liberal selection policies.

YOU are the MANAGER within the selections offered by your employer.