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401(k) allocations
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<blockquote data-quote="kingOFchester" data-source="post: 1003180" data-attributes="member: 11246"><p>Diversify. If you think you taxable rate will be lower then what it is now, you may want to put your money in the traditional 401k. For me, at this point in time, I am putting 75% in the roth and 25% in the traditional. Maxed out the contribution. Also have a scottrade account that is set up as a roth. I max out that account. Play with the money a little more. 50% of the account is tied up in SPY. The other 50% tied up in dividend stocks paying roughly 5% yield. I also have a TDwater house account where I own individual stocks for long term gains. (gains is the plan anyways) FDX being one.</p><p></p><p>As far as the 401k allocations, it is spread out amongst 7ish funds.</p><p></p><p>Diversify and contribute until it hurts. Do not count on pension. Plan as though there is not a pension. For me, if I could leave early and not get the full pension but healthy enough to still enjoy retirement........I would do it and leave some pension money on the table.</p></blockquote><p></p>
[QUOTE="kingOFchester, post: 1003180, member: 11246"] Diversify. If you think you taxable rate will be lower then what it is now, you may want to put your money in the traditional 401k. For me, at this point in time, I am putting 75% in the roth and 25% in the traditional. Maxed out the contribution. Also have a scottrade account that is set up as a roth. I max out that account. Play with the money a little more. 50% of the account is tied up in SPY. The other 50% tied up in dividend stocks paying roughly 5% yield. I also have a TDwater house account where I own individual stocks for long term gains. (gains is the plan anyways) FDX being one. As far as the 401k allocations, it is spread out amongst 7ish funds. Diversify and contribute until it hurts. Do not count on pension. Plan as though there is not a pension. For me, if I could leave early and not get the full pension but healthy enough to still enjoy retirement........I would do it and leave some pension money on the table. [/QUOTE]
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