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To: accountclosed who wrote (22332)	2/27/1999 3:09:00 PM
From: yard_man	Read Replies (1) \| Respond to of 86076

You can get a match to a fixed income option, can't you? Why stop if there is a match for part?

To: accountclosed who wrote (22332)	2/27/1999 4:11:00 PM
From: Bonnie Bear	Respond to of 86076

A: it depends. Put as much as you can into the tax shelter...it allows you to defer taxes....the art in the 401K is to figure out how to put money in at the highest tax bracket and get the money out when you are in the lowest marginal tax bracket. Just don't wait until the last minute to get the money out! I think Roth IRA holders are going to get screwed by AMT...I don't understand why anybody would want the Roth IRA. I'd say put in every nickel the law allows into your 401K and run the money into a bond fund...even in 90 and 94 when interest rates soared the bond funds didn't lose very much. Use your after-tax money for stocks...that gives you some diversification, and tax laws seem to favor this setup. Using after-tax money, any stock losses can be used as a tax writeoff and gains are at relatively low tax rates, but you can't use loss writeoffs within the 401K/IRA tax shelter. I have my bonds, reits, income CEFs, things with dividends inside the 401K rollover/IRA where I can let them compound without taxation. With after-tax dollars I have tax-efficient stock mutual funds and CEFs, cash, and bond index fund, and speculative/risky stuff that gets written off as a tax loss if needed. This seems to work very well.