Silicon Investor (SI) -- The First Internet Community

STOCKTALK

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor. We ask that you disable ad blocking while on Silicon Investor in the best interests of our community. If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.

Strategies & Market Trends : The Residential Real Estate Crash Index -- Ignore unavailable to you. Want to Upgrade?

To: Wyätt Gwyön who wrote (17010)	2/9/2004 1:25:25 PM
From: GraceZ	Read Replies (1) \| Respond to of 306849

The percentage of those offering plans with more options is rising primarily because companies want to avoid the liability that comes from limiting 401k options. On the whole I agree with you, I've looked at a lot of the options available to people within these plans and frequently come to the opinion that people are better off with a self directed taxable or tax deferred plan like a Roth for savings because the choices within their 401s are so limited. My own plan, a self directed Keogh held at a brokerage, has the most flexibility. The one thing that always scares me is that a tax deferred plan puts you at the mercy of what Congress might do in the future to tax rates. One has to think that in a nation where we have the majority of people with inadequate saving for their retirement while fully expecting that they should be able to retire to 30 years of playing golf, that those who do save and invest successfully will be punished in the future.

To: Wyätt Gwyön who wrote (17010)	2/10/2004 7:54:57 AM
From: Amy J	Respond to of 306849

A person could write to their "401k Trustee" and request them to open your 401k fund up to individual stocks. The Trustee is like a board member (fiduciary responsible), but for a 401 plan. By not restricting investors to their pre-selected funds, in today's new world this has less corporate liability. Most new startups do it this way. We were one of the earliest ones that did this. RE: dividends and historical comparisons There's a really interesting article on this, which I'm unable to find. Rats. But it basically goes through 70 years of history and explains what changes were made when and how that impacted dividends. Regards, Amy J