Your over my head. Dont think my ex-company has that kind of options. I guess rolling my 401k into the type of account i could more closely manage is an option, but then u r speaking of giving somebody a couple of percentage points to oversee it right? now i pay practically nothing for that.

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Posted by Janky

Team Primo

Member since Jun 2011

35957 posts

Posted on 12/28/13 at 11:06 am to jeffsdad

If you are trying to protect then cash or short term fixed are your hiding places. If you are only 4 years away from retirement I wouldn't stray too far into the equity side of things. I would stay mostly in balanced and short term fixed. Make sense?

Target date funds are not my favorite as you get real close to retirement because they shift in to bond funds which are no good in this environment. For example, the 20 year bond index is down 13% this year. I don't want to be forced into this by a target date fund. I would have rather been in ST bonds or floating rate.

This post was edited on 12/28/13 at 11:09 am

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Posted by rmc

Truth or Consequences

Member since Sep 2004

26558 posts

Posted on 12/28/13 at 11:07 am to jeffsdad

quote:
Your over my head. Dont think my ex-company has that kind of options. I guess rolling my 401k into the type of account i could more closely manage is an option, but then u r speaking of giving somebody a couple of percentage points to oversee it right? now i pay practically nothing for that.

If you roll it over to somewhere like Schwab or etrade there is no % coming off the top, although there are transaction fees and expense fees inside of certain investment vehicles. You can manager how you want and you will have untold numbers of options. That can be a good or bad thing depending on your level of sophistication in such matters.

This post was edited on 12/28/13 at 11:10 am

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