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Posts Tagged ‘401k’

I have a 401k at my company, and I have 3 stock index funds in which I participate. Over the last year, I have NOT received a single dividend or capital gain on any fund. I have never seen this happen before, I always received dividends on index funds I have bought in the past.

I called the 401k department and they were of no help. They told me the dividends are reinvested back into the fund itself to bring the cost of the fund down…..I do not think that sounds right though…nor do I think its right considering the same fund cost is exactly what yahoo finance says the fund cost is.

If anyone could shed some light on this I would really appreciate it
Let me add some more details. The fund is something called a comingled fund. It does not really have its own prospectus per say, but it does hold 100% of Vangaurds Total Stock Index.
When I look at my statement online, there has not been a single transaction in the last 6 months…when I last worked there. However, I would would still expect to get dividends reinvested but I got nothing. I have the same amount of shares as when I left. I know for a fact the Vangaurd fund paid dividends this part year…so you see my point?

I called the 401k department and they told the dividends get revinvested into the fund itself and I do not see anything. They said this is a "special" arrangement and no dividends are paid to the owners. Personally, I think someone is skimming the dividends, I just have no idea how I would ever find that out.

Technorati Tags: 401k, capital gain, dividend, dividends, finance, prospectus, stock index funds, yahoo

I am currently maxing out my 401K. My employer matches up to 6%. I am wondering if it’s best to contribute only 6% and then buy a bunch of index funds. I’m mainly concerned over the idea that I can probably do better with index funds, but I lose out on compound interest, … but then again, it’s likely that I’ll be in a much higher tax bracket when I retire.

I really like "Index Funds Advisors" approach, but I don’t have the 100K minimum to open the account. Maybe I can mimic their investment approach through something like Scottrade?

Thank you

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Technorati Tags: 401k, compound interest, higher tax bracket, index funds, investment approach

I just opened a money market IRA. I rolled about ,500 from my 401K into my new IRA. Since that money was pre-taxed, and any money that I put in from now on will be post tax..when will my ,500 be taxed? And will I have to pay that out of pocket, or will it come out of the money I put in my IRA?

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Technorati Tags: 401k, ira, money market

In my 401k can I put all my contributions into 1 money market account.Or do I have to split my contribution up>

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I have k in cash that got rolled over from a 401K when I was laid off in January. I need some advice on some trustworth mutual funds that I can buy into.

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I am contributing to 401k and maxing it out as part of my employer’s retirement plan. The money in the 401k is getting invested in Mutual funds. I also plan to open a Roth IRA and would like to put 00 (max amount). I have 30 more years to retire. At this point, is it advisable for me to invest the amount in the Roth IRA in mutual funds or in stocks ?

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Technorati Tags: 401k, money, mutual funds, retirement plan, roth ira, stocks

My 401K has dropped 17% in the past month. Is that better or worse than the stock market average?

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I am looking for an agency to take my 401K to but unsure of where to start but I know I want to put it into a growth stock mutual fund.
Should I withdraw my funds first or contact (insert name here)?
Thanks!

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I am 60 years old and I want to put my savings a safe place. I want to suppliment my retirement income with the interest from a money market account. The problem is: will I be taxed on the lump sum that I transfer from a 401k to a money market account?

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I sold shares of my company stock under an ESOP, but transferred it into a money market account in the same fund family. I never collected anything from it. Do I still have to declare it?
Does the same apply if the company stock and the money market account are in a 401K?

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Technorati Tags: 401k, company stock, esop, money market account