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Posts Tagged ‘retirement’

I received some inheritance money that I’d like to invest for retirement. I plan to open a mutual fund account with Vanguard and begin investing in index funds. Should I invest the entire lump sum at once or keep it in a high-yield money market account and fund the mutual fund account monthly to take advantage of dollar-cost averaging?

Assume I have no bad debt, have already established an emergency fund, am contributing to a 401(k), and am funding a Roth IRA (also with Vanguard) to the annual max.

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Technorati Tags: 401 k, bad debt, emergency fund, high yield money market, high yield money market account, index funds, inheritance, lump sum, money market account, mutual fund account, retirement, roth ira, vanguard, yield money market

I’m a 35yo single male, I own my own home and I have about 000 in a money market paying 4.65 apy. Also i have two CD’s each for 00 5.35% apy for nine months. My mortage is 6.74% apr ( I owe k, purchased house at k two years ago). I also have about k in a retirement mutual fund which I have calculated has paid a disappointing 5 % over the last 7 yrs. My question is this. These investments (cd’s and money markets) are super safe because of FDIC. And I like a sure thing even though I’ve heard often that when your younger u should have more risk in your portfolio than when u r older. Are there investments that would pay slighty more and be slightly more risky but not too risky. Perhaps municipal bonds? I also like the liquidity of CD’s and money market accounts so I wouldn’t want to give up all that much liquidity.

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Technorati Tags: fdic, investments, liquidity, money market accounts, money markets, mortage, municipal bonds, mutual fund, nine months, retirement, risk, sure thing

I want to plan for retirement. I do owe money to credit card companies. So if I open an ira or mutual fund, can they get access to that money and take it?

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Technorati Tags: credit card companies, ira, money, mutual fund, retirement

Develop an investment plan with the ultimate goal of funding your retirement based on what you have learned so far.
Like how you would integrate estate planning into the investment plan you selected?

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Technorati Tags: investment plan, retirement

Okay, I’m new to investing in funds.

I know a bit here or there, but I’m still learning. I don’t know enough to trust myself jumping into anything yet.

What I’m looking for is long-term stuff, like something for retirement. I’m 22 now so I guess it’s a great time to start.

What is the top parameters I should look for when browsing mutual funds? Like when browsing MorningStar I see NAV and Expense Ratios (I know what they are) but how do I know what is more important? Also, once I know what is important, how do I know if it’s good. I figured you probably want a low expense ratio, but what would you consider "low"?

I guess I just wanna know what to look for in numbers.

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Technorati Tags: expense ratio, expense ratios, great time, morningstar, mutual funds, nav, parameters, retirement

I want to invest my money. there are so many investment out here I do not know which to choose. A financial advisor will tell you anything. how do you know who is telling the truth. Anybody can tell me about stock and bonds? I need my money to work for me. I am working so hard I can not see my savings growing because my interest is under .00 from my bank. I am getting older I need to be well off before I get to 67 for retirement.

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Technorati Tags: bonds, money, retirement, stock, telling the truth

I have Fidelity for my retirement and my husband has Principal Funds for his because that’s who our employers go through. We want to open another investment account to save money for a down payment for a house hopefully faster than the low rated savings and CD accounts would get us. Are these really good companies or are their better ones out there?

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Technorati Tags: fidelity, investment account, money, retirement

what percent of my portfolio should i put in to stock mutual funds and bond mutual funds when saving for my retirement?
thank u all!!!! u helped me alot!

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Technorati Tags: mutual funds, retirement

I am mad that I spent so much $ on Class A mutual funds and want to dump my brokerage firm and start investing the smart way. I have read that equity index funds and no-load mutual funds are the way to go, but I have no idea where to go or which funds to buy. I just want to put my money away in aggressive investments and let the money sit there and reinvest the dividends. I don’t want to buy and sell stocks – I would rather put it in diversified funds and just let it grow. I have 30 years to retirement so I want to be as aggressive as possible. Seems like if I ask a financial "expert," they just want to sell you their own products. Is anyone out there a financial expert who can give me objective advice??? HELP! I have a couple of IRAs and about 0K in mutual funds right now. Thank you!!!

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Technorati Tags: brokerage firm, diversified funds, dividends, equity index, financial expert, index funds, investments, iras, money, no load mutual funds, objective advice, retirement, stocks

I was planning on purchasing shares in Vanguard’s 2055 retirement mutual fund. However there is a 00 minimum initial deposit to start a fund.

Does this minimum still apply if I bought shares in the fund through a low-cost broker such as Tradeking that let me purchase individual funds and stocks? Or would this fund not be available through them?

If it is, would it make sense to buy it through them and avoid the fees associated with Vanguard?
Tradeking is .95 per trade. I don’t believe there are any other fees with them.

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Technorati Tags: minimum initial deposit, mutual fund, retirement, stocks, tradeking, vanguard