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To: GraceZ who wrote (148969)	9/22/2008 12:51:25 PM
From: benwood	Respond to of 306849

My wife gets the matching 4% by paying in 4%, and the extra she would have paid goes into a Roth IRA. The Roth IRA is 1/6th as large and enjoys returns more than double the 401k, including the free 4% of contributions. It's a tough case to make to support even that 4% at this point. Her 401k money is in all cash, in some annuity instrument that pays over 4% and is one of only two options that have gained over the past 18 months, maybe 3 years. Still, I have hopes that in 12 to 18 months, shifting to a global fund will be timely so having the cash won't be so bad (I hope...) between now and then.

To: GraceZ who wrote (148969)	9/22/2008 1:17:24 PM
From: MulhollandDrive	Read Replies (2) \| Respond to of 306849

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. i'm convinced of that as well.... could he opt out and rollover into a IRA? the management firm his company had before fidelity was even worse, and from what i can see with his fidelity fund, it's as patron sez, sucky as well....i hate seeing what's happening to his retirement funds, he should have more options, not frozen into some lame -assed limited fund