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Re: 401k YTD [Re: slipn] #1195587
12/22/14 07:40 AM
12/22/14 07:40 AM
Joined: Feb 2009
Posts: 14,831
If you only knew.....
Tru-Talker Offline
Booner
Tru-Talker  Offline
Booner
Joined: Feb 2009
Posts: 14,831
If you only knew.....
Originally Posted By: slipn
Originally Posted By: Tru-Talker
Originally Posted By: Remington270
Just remember the higher the returns, the more risk usually. Markets don't always go up.


If you have the time to watch it you can usually hedge your accounts or transfer them to bond funds before the market downslide.....but you have to watch it close....

You better be watching close this coming year - interest rates are liable to start creeping up and when they do this market bubble is gonna bust.


True that. The good thing is they didn't change the federal funds rate this past week... Stocks went a booming as a result...


Before you embark on a journey of revenge, dig two graves...

Confucius
Re: 401k YTD [Re: LUMPY] #1195588
12/22/14 07:41 AM
12/22/14 07:41 AM
Joined: Sep 2006
Posts: 2,685
West Florida
westflgator Offline
10 point
westflgator  Offline
10 point
Joined: Sep 2006
Posts: 2,685
West Florida
I rolled my 401k over to an IRA which I invest in real estate. The stock market is sitting on a bubble and the real estate bubble has already burst. So I decided to get out of the stock market while it was up, and invest in the real estate market while it was down. I control these investments just like I do when investing in real estate outside my IRA. Working pretty good so far.

Last edited by westflgator; 12/22/14 07:48 AM.
Re: 401k YTD [Re: lefthorn] #1195590
12/22/14 07:46 AM
12/22/14 07:46 AM
Joined: Feb 2005
Posts: 7,582
Moss Creek
Gotcha1 Offline
Bright Eyes
Gotcha1  Offline
Bright Eyes
Joined: Feb 2005
Posts: 7,582
Moss Creek
15% ytd. Use a broker in Columbus, Ga. Wish I had been with him a couple of years prior.


Matt Brock wears knock-off Crocs.
Re: 401k YTD [Re: Gotcha1] #1195640
12/22/14 08:42 AM
12/22/14 08:42 AM
Joined: Jan 2012
Posts: 703
Auburn, AL
MoonDog Offline
4 point
MoonDog  Offline
4 point
Joined: Jan 2012
Posts: 703
Auburn, AL
Most everyone allocated to equity funds inside of their 401(k) or other qualified retirement plans, should have seen significant gains over the past year. If any of you are at or near retirement and are still heavily allocated in equities, you may want to look at re-allocating to a more conservative approach. Considering the inflated market and volatility, one would think that a down turn is more than likely eminent. If close to retirement, you may not have time to bounce back from any significant losses such as the ones that took place in 2002 & 2008. May be a good time to look at what you have, why you are invested the way you are and what might need to be changed in order to preserve what you have accumulated.

Re: 401k YTD [Re: FurFlyin] #1195658
12/22/14 09:03 AM
12/22/14 09:03 AM
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...
bill Offline
Freak of Nature
bill  Offline
Freak of Nature
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...

Originally Posted By: FurFlyin
When I was 20something I had most of mine in very aggressive investments. I lost my butt and the pants on it in 99.


We are going to see a market crash in the next year that is going to make 99 look like a small speed bump.


"Political debate: when charlatans come together to discuss their principles"
-
Bauvard
Re: 401k YTD [Re: lefthorn] #1195768
12/22/14 10:49 AM
12/22/14 10:49 AM
Joined: Sep 2004
Posts: 2,223
Cullman/Winston county line
Firefighter Bill Offline
8 point
Firefighter Bill  Offline
8 point
Joined: Sep 2004
Posts: 2,223
Cullman/Winston county line
The key to a solid investing strategy is to buy when I sell and sell when I buy. You will probably see returns of at least 50% if you follow this advice.


Lead, follow or get the HELL outa the way!
Re: 401k YTD [Re: lefthorn] #1195772
12/22/14 10:56 AM
12/22/14 10:56 AM
Joined: Oct 2014
Posts: 409
Helena
N
NoHuntin Online content
4 point
NoHuntin  Online Content
4 point
N
Joined: Oct 2014
Posts: 409
Helena
Cash and paid for real estate.

Re: 401k YTD [Re: bill] #1195777
12/22/14 11:05 AM
12/22/14 11:05 AM
Joined: Jul 2011
Posts: 39,377
Marshall County
FurFlyin Offline
Freak of Nature
FurFlyin  Offline
Freak of Nature
Joined: Jul 2011
Posts: 39,377
Marshall County
Originally Posted By: bill

Originally Posted By: FurFlyin
When I was 20something I had most of mine in very aggressive investments. I lost my butt and the pants on it in 99.


We are going to see a market crash in the next year that is going to make 99 look like a small speed bump.


I don't know when it's coming but it is coming. The economy is not strong enough for the market to be as high as it is. The market is inflated by some outside influences. I'm afraid it's overseas influences


If my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then will I hear from heaven and will forgive their sin and will heal their land. 2 Chronicles 7:14
Re: 401k YTD [Re: FurFlyin] #1195780
12/22/14 11:07 AM
12/22/14 11:07 AM
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...
bill Offline
Freak of Nature
bill  Offline
Freak of Nature
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...

Originally Posted By: FurFlyin
Originally Posted By: bill

Originally Posted By: FurFlyin
When I was 20something I had most of mine in very aggressive investments. I lost my butt and the pants on it in 99.


We are going to see a market crash in the next year that is going to make 99 look like a small speed bump.


I don't know when it's coming but it is coming. The economy is not strong enough for the market to be as high as it is. The market is inflated by some outside influences. I'm afraid it's overseas influences


Our own corrupt government is propping it up. I figure that will stop right before the 2016 elections.


"Political debate: when charlatans come together to discuss their principles"
-
Bauvard
Re: 401k YTD [Re: LUMPY] #1195808
12/22/14 11:34 AM
12/22/14 11:34 AM
Joined: Mar 2014
Posts: 455
AL
M
MGrubber Offline
4 point
MGrubber  Offline
4 point
M
Joined: Mar 2014
Posts: 455
AL
22.8% Reb you must have yours in a money market fund and by the time they take their management fees your losing money.

Re: 401k YTD [Re: lefthorn] #1195813
12/22/14 11:48 AM
12/22/14 11:48 AM
Joined: Dec 2004
Posts: 3,996
Central AL
March15 Offline
10 point
March15  Offline
10 point
Joined: Dec 2004
Posts: 3,996
Central AL
18.87%. I just invest it all in the company stock.

Re: 401k YTD [Re: MGrubber] #1195814
12/22/14 11:49 AM
12/22/14 11:49 AM
Joined: Oct 2003
Posts: 25,687
South Alabama
R
Rebelman Offline
Freak of Nature
Rebelman  Offline
Freak of Nature
R
Joined: Oct 2003
Posts: 25,687
South Alabama

Originally Posted By: MGrubber
22.8% Reb you must have yours in a money market fund and by the time they take their management fees your losing money.


That, and I had a good portion in company stock. It took a hit last month.

Re: 401k YTD [Re: lefthorn] #1195815
12/22/14 11:50 AM
12/22/14 11:50 AM
Joined: Feb 2013
Posts: 6,095
Anniston, AL
ikillbux Offline
ishootatbux
ikillbux  Offline
ishootatbux
Joined: Feb 2013
Posts: 6,095
Anniston, AL
For some of those on here reporting these very large percentages, you must be a seasoned, full-time trader.

I work in the financial field, and I can tell you that you either got blindly lucky, and it's going to fall back to earth pretty soon, or else you need to make a career change to day-trading (you can become a filthy rich person).

But I'll tell you something I've learned from 14 years in the financial field: EVERYBODY lies about their money. For example, all my friends say they get $10,000 tax returns too, which absolutely blows my mind. Heck, if I have to pay less than $10,000 I consider it a windfall!! mad


We were on the edge of Eternia, when the power of Greyskull began to take hold.
Re: 401k YTD [Re: MGrubber] #1195823
12/22/14 11:59 AM
12/22/14 11:59 AM
Joined: Mar 2014
Posts: 455
AL
M
MGrubber Offline
4 point
MGrubber  Offline
4 point
M
Joined: Mar 2014
Posts: 455
AL
I keep a lot of my money in southern co. has paid a dividend for something like 50 years running, has raised dividend every year for something like last 15 years and I can't find that they have ever cut their dividend rate. Currently is paying about 4.5%. All that said I like to watch for new highs on it, when it hits a new high I will sell a bunch of it and when it pulls back a dollar or two I buy it back, hence winding up with more shares. I did this a couple of weeks ago and wound up ABOUT $6,000.00 ahead in 1 week. This past Friday I sold 10,000 shares at $49.02, a new high at the time, now I will just wait until it drops some and buy it back. This is how I have always done it and it has enabled me to retire at 55 yrs old very comfortably. It is a very cyclical stock if you look at a graph of it for 5 or 10 year time period.

Re: 401k YTD [Re: March15] #1195828
12/22/14 12:04 PM
12/22/14 12:04 PM
Joined: Sep 2006
Posts: 2,685
West Florida
westflgator Offline
10 point
westflgator  Offline
10 point
Joined: Sep 2006
Posts: 2,685
West Florida
Originally Posted By: March15
18.87%. I just invest it all in the company stock.

A bunch of us was heavily invested in company stock back in the day (mid to late 90's) We had some guys with over 2 million in their 401k (not me I was a small fish) but when it crashed most of us lost our rear ends. Sad part is that some of those guys retired and left their money in our company stocks, which crashed with the market to never rebound. There again I say roll as much of your 401k as possible into a self directed IRA and buy up cheap real estate. Why buy at the top of the stock market when you can buy at the bottom of the real estate market. If you would like to know more about how to invest in real estate within your IRA (IRA owns it) PM me and I will be glad to explain further.

Re: 401k YTD [Re: Rebelman] #1195933
12/22/14 01:51 PM
12/22/14 01:51 PM
Joined: Jan 2014
Posts: 10,405
Scottsboro, Al
J
jbatey1 Offline
Lucky Bastage
jbatey1  Offline
Lucky Bastage
J
Joined: Jan 2014
Posts: 10,405
Scottsboro, Al
Originally Posted By: Rebelman
-0.19%


Must of been heavily invested into the Automotive company producing the GusBus. laugh


The fool tells me his reasons; the wise man persuades me with my own.
Re: 401k YTD [Re: ikillbux] #1195972
12/22/14 02:37 PM
12/22/14 02:37 PM
Joined: Aug 2006
Posts: 32,451
North Alabama
YEKRUT Offline
Turkey Nut
YEKRUT  Offline
Turkey Nut
Joined: Aug 2006
Posts: 32,451
North Alabama
Originally Posted By: ikillbux
For some of those on here reporting these very large percentages, you must be a seasoned, full-time trader.

I work in the financial field, and I can tell you that you either got blindly lucky, and it's going to fall back to earth pretty soon, or else you need to make a career change to day-trading (you can become a filthy rich person).

But I'll tell you something I've learned from 14 years in the financial field: EVERYBODY lies about their money. For example, all my friends say they get $10,000 tax returns too, which absolutely blows my mind. Heck, if I have to pay less than $10,000 I consider it a windfall!! mad



$7500 is the most I have ever gotten back so far. We refied the house from a 30 year to a 15 year at something under 2.5% this last year so I am sure the return ain't going to be so great not paying all the I terest we have in the past. We put our retun into college funds for the kids anyways so we never see it. As for 401k mine is all in fidelity, 80% real estate, 20 contrafund. I wished I had a million in it.


Some men are mere hunters; others are turkey hunters. —Archibald Rutledge—
Re: 401k YTD [Re: lefthorn] #1195987
12/22/14 02:51 PM
12/22/14 02:51 PM
Joined: Sep 2005
Posts: 7,453
Lineville, AL
G
Grizz Offline
14 point
Grizz  Offline
14 point
G
Joined: Sep 2005
Posts: 7,453
Lineville, AL
6.11%

Re: 401k YTD [Re: lefthorn] #1196550
12/23/14 04:52 AM
12/23/14 04:52 AM
Joined: Feb 2009
Posts: 2,070
Saraland, Al
B
BamaFan64 Offline
8 point
BamaFan64  Offline
8 point
B
Joined: Feb 2009
Posts: 2,070
Saraland, Al
7.3% on a rollover from my previous job, 3.2% on my current 401K. Running kind of low because of being heavily invested in the oil industry.

Re: 401k YTD [Re: lefthorn] #1197448
12/23/14 03:41 PM
12/23/14 03:41 PM
Joined: Jan 2005
Posts: 14,215
Hoover
F
Fattyfireplug Offline
Booner
Fattyfireplug  Offline
Booner
F
Joined: Jan 2005
Posts: 14,215
Hoover
I've had some eye opening financial education lately. I'm no expert, but some of what I've learned I'm gonna share with you guys.

I've always been like many of the posters on here. I didn't understand it, so it was better for me to let someone else manage my accounts. Sounds like good advice.

But wait.

Can any of you quickly recall what your fees are to have your accounts managed? Is it 1%? 2%? What exactly are you paying? Those percentages don't sound like much do they?

What are fees costing you?

Another link if you trust government information

Anyway, so I didn't take the information I was receiving for a fact. I ran my own numbers. I kept it simple and kept to nice round numbers to see what my results were.

I invested my fictional $10,000.00 insurance payoff at the age of 24 in a 401K that advertised they had averaged 6% growth over the last two decades. I didn't put another dime in that account.

I figured 6% growth on $10k over 36 years and retired at a spry age of 60. These numbers are with ZERO fees, meaning I managed my account myself. When I turned 60 years old this account is worth $81,472.52 and represents a very decent growth on my money.

Now, I figured this same information but decided to let someone else manage my money for me. I couldn't be hassled with dealing with it. This company charged me a 1% fee on my money over the same period of time. When I turned 60 years old this account is worth $57,918.16. WHAT? 1% cost me $23,554.36 in profits.

One last time. I figured this same information but decided to let someone else manage my money for me. I couldn't be hassled with dealing with it. This company charged me a 2% fee on my money over the same period of time. When I turned 60 years old this account is worth $41,039.33. 2% cost me $40,433.19 in profits.

Those numbers are with a simple fee and no other charges they may make.

Don't believe it? Run them yourself, it's not hard. Again, I'm no expert. I'm just like the rest of you, I'm just starting to wake up to what is going on.

I'd encourage you to watch these videos. One is long, but it's also one of the most prominent financial minds of our time talking, so I pay attention.







The bottom line is this guys. Educate yourself and learn to shelter your money and keep your fees in your own pockets.

I had my own reasons for no longer investing in these type accounts. I started looking and realized how stupid I was about money. How I thought about it, spent it, saved it, invested it. I'm learning and will attempt to leave a legacy of knowledge for my son for his future.

Your government doesn't want you to know these things. Your schools don't either. They have made a habit of teaching you how to dissect a frog but not how money actually works. My son is in a finance course at one of the best high schools this state has to offer. They were told to pick up a paper and choose a stock and invest $x fictional dollars and keep up with it.

I asked him how he was taught what to invest in. Nothing. Just told to randomly pick. No research, no company investigation, no history, nothing. Just pick. That's your school economics and finance courses at work and we wonder why there is so much debt and so little money intelligence.

The disservice we are doing to our children is a tragedy. I'm done being a victim to it and won't allow my family to be victims to it any longer.

Sorry for the rant. I'm a bit passionate about the subject right now.


Character is not developed in moments of temptation and trial. That is when it is intended to be used.
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