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#1
posted to rec.boats
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ah, yes, the latest on my company 401K
On Mon, 19 Jul 2010 03:08:07 -0400, "D.Duck" wrote:
"bpuharic" wrote in message .. . snip not a single 401K manager has beat the market in the last 3 years. snip 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. |
#2
posted to rec.boats
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ah, yes, the latest on my company 401K
"bpuharic" wrote in message ... On Mon, 19 Jul 2010 03:08:07 -0400, "D.Duck" wrote: "bpuharic" wrote in message . .. snip not a single 401K manager has beat the market in the last 3 years. snip 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. |
#3
posted to rec.boats
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ah, yes, the latest on my company 401K
D.Duck wrote:
"bpuharic" wrote in message ... On Mon, 19 Jul 2010 03:08:07 -0400, "D.Duck" wrote: "bpuharic" wrote in message ... snip not a single 401K manager has beat the market in the last 3 years. snip 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. Well said. The key is to choose your investments based on your risk level and projected retirement date. Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. |
#4
posted to rec.boats
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ah, yes, the latest on my company 401K
On Mon, 19 Jul 2010 19:37:27 -0400, Larry wrote:
Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. |
#5
posted to rec.boats
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ah, yes, the latest on my company 401K
bpuharic wrote:
On Mon, 19 Jul 2010 19:37:27 -0400, wrote: Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. Evidently you didn't. |
#6
posted to rec.boats
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ah, yes, the latest on my company 401K
On 20/07/2010 4:59 PM, Larry wrote:
bpuharic wrote: On Mon, 19 Jul 2010 19:37:27 -0400, wrote: Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. Evidently you didn't. Stupid too, one of my faves was buying Ford for under $2.25 and selling at over $6.75, I know, could have held out for $11 but never got burned taking profit. bpuharic probably just wet his pants when the market was giving hot deals. -- Government has liberals, idealists and lawyers, but where is the common sense? |
#7
posted to rec.boats
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ah, yes, the latest on my company 401K
On Tue, 20 Jul 2010 17:42:24 -0600, Canuck57
wrote: On 20/07/2010 4:59 PM, Larry wrote: bpuharic wrote: On Mon, 19 Jul 2010 19:37:27 -0400, wrote: Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. Evidently you didn't. Stupid too, one of my faves was buying Ford for under $2.25 and selling at over $6.75, I know, could have held out for $11 but never got burned taking profit. notice how the right calls every single hard working american an idiot? bpuharic probably just wet his pants when the market was giving hot deals. he's too stupid to know that, 5 years ago the wealth of all US households was 65B today it's 55B to the right, little fairy tales and emotions take the place of hard headed reason and logic |
#8
posted to rec.boats
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ah, yes, the latest on my company 401K
On Tue, 20 Jul 2010 18:59:01 -0400, Larry wrote:
bpuharic wrote: On Mon, 19 Jul 2010 19:37:27 -0400, wrote: Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. Evidently you didn't. sorry sport. the right lied. the middle class died |
#9
posted to rec.boats
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ah, yes, the latest on my company 401K
bpuharic wrote:
On Tue, 20 Jul 2010 18:59:01 -0400, wrote: bpuharic wrote: On Mon, 19 Jul 2010 19:37:27 -0400, wrote: Certain income funds are just as productive as money market funds. The NAV will vary - even drop for a while, but you are adding shares through reinvested dividends. IOW buy low sell high who cudda guessed. Evidently you didn't. sorry sport. the right lied. the middle class died Your generalizations seem to only suit your bad situation, Skippy. |
#10
posted to rec.boats
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ah, yes, the latest on my company 401K
On Mon, 19 Jul 2010 07:39:08 -0400, "D.Duck" wrote:
"bpuharic" wrote in message .. . On Mo 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. ahem. let's see....the number of economists predicting this collapse was about 5. |
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