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

To: MulhollandDrive who wrote (148958)	9/22/2008 12:25:56 PM
From: Think4Yourself	Read Replies (1) \| Respond to of 306849

Can he hold the funds in cash? It beats losing money in a fund. We can't do that with ours.

To: MulhollandDrive who wrote (148958)	9/22/2008 12:46:55 PM
From: GraceZ	Read Replies (2) \| Respond to of 306849

i couldn't even find a 'cash' equivalent fund in the list My husband's 401 is every bit as bad, few choices and it is very difficult to figure out in terms of what is in the various funds. I've long felt, even if he lost the small amount of employer matching, he'd do better in a self directed IRA. At one point he tried to avoid the copious fees and losses by moving to what was suppose to be a "cash" fund and he was still losing money in it due to the fact that they were charging him fees to manage cash! (not to mention losses due to inflation) Finally after just abysmal returns over the past 8 years his company has decided to switch management firms. BTW a lot of 401s do not have PM funds because some of the PM funds actually hold physical gold or a proxy for it. There was a lot of concern that holding physical gold was prohibited in a tax deferred account and I'm not certain how that shook out in light of the gold ETFs, maybe someone else here knows.