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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: candsrr who wrote (15051)	3/30/2013 10:12:50 PM
From: research1234	Read Replies (1) \| Respond to of 34328

401(k) investment choices depend on the employer. Some have a very narrow set of choices, others allow complete employee choice including stocks and bonds. Rules have not changed - full choice has always been an option. Lack of choice is either a vestige of paternalism, or driven by extreme cost sensitivity.

To: candsrr who wrote (15051)	3/30/2013 11:44:19 PM
From: Steve Felix	Respond to of 34328

I'd have to put your employer on top of the scale for offerings in their 401k. I believe a brokerage link is pretty rare, but I haven't checked. Maybe things are changing. My 401k offered six funds. Absolute best match I know of is my sisters employer, an electric cooperative software company in St. Louis. Though they changed it to 6% a few years ago for new hires, those already working there at the time got grandfathered at 12%. When she first told me, I thought she had to be wrong.