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<blockquote data-quote="Benben" data-source="post: 1036593" data-attributes="member: 25133"><p><u><strong>Hoaxster</strong></u>, thx for the links above. I use Seeking Alpha mostly but I'm going check out the Credit Suisse web site. I like your approach to retirement. Without being a Pro I think dividend investing is the way to go outside of a 401K. My mark has been a 7% yield but haven't been as concerned with mkt caps as I have been in the length of time the companies have been in bussiness. Too many of my co-workers either refuse to share their plans or actually do not have any plans past, "my pension."</p><p></p><p>I haven't touched Munies. I know they historically have been the safest of all investments but every week another town gets in the news about possibly going bankrupt...they just make me nervous. </p><p></p><p>My 401K (11% contribution, frame of refrence I am in my 7th year at UPS) is in 3 allocations: the S&P500, Russell2000 and the REIT fund. I have 5% going into the Roth, all Reit untill this week when I took a good look at the numbers following the Fed's anoucement. And I participate in the DESPP with the goal of at least 1 share per week minimum. <u><strong>TO THE POWERS THAT BE; PLEASE, PLEASE BRING BACK TO 10% DISCOUNT.</strong></u></p><p><u><strong></strong></u></p><p>I recently opened up a Merrill Edge account because I got sick and tired of checking the family and the Kid's savings acounts just to see them earn $.06 intrest a month. Less than a dollar a year earnings? OUCH!! So far all my buys have been dividend stocks except one I thought might be a growth stock and was currently right at its 52week low (MRVL). First lesson learned- Div from a forgein stock gets smacked for a 25% tax right off the top, PTNR's $26 div becomes $19 and change. Not the 10% yield I was after! Second lesson learned- a stock at its 52week low point in a market thats up 30+% for the year is low for a reason!! We'll see how it does in another 6 months, it has a very high Beta.</p><p></p><p>I am 1/2 way though my 8th book on investing. Any good books you'd recommend?</p><p></p><p><u><strong>Jones</strong></u>-the numbers look ugly to me. Just to add to the conversation, most the ratings groups have down graded NLY and other agency backed RIETS to underperform, holds and sells. I haven't found any pure, non-agency stocks and I think its just a matter of time untill the Hybrids get downgraded. NLY, TWO and ARR all decreased their dividends for the rest of 2012 and last week the govt. reported a sharp increase in prepayments of mortgages (to the tune of over a 50% increase.) So what exactly am I missing here?</p></blockquote><p></p>
[QUOTE="Benben, post: 1036593, member: 25133"] [U][B]Hoaxster[/B][/U], thx for the links above. I use Seeking Alpha mostly but I'm going check out the Credit Suisse web site. I like your approach to retirement. Without being a Pro I think dividend investing is the way to go outside of a 401K. My mark has been a 7% yield but haven't been as concerned with mkt caps as I have been in the length of time the companies have been in bussiness. Too many of my co-workers either refuse to share their plans or actually do not have any plans past, "my pension." I haven't touched Munies. I know they historically have been the safest of all investments but every week another town gets in the news about possibly going bankrupt...they just make me nervous. My 401K (11% contribution, frame of refrence I am in my 7th year at UPS) is in 3 allocations: the S&P500, Russell2000 and the REIT fund. I have 5% going into the Roth, all Reit untill this week when I took a good look at the numbers following the Fed's anoucement. And I participate in the DESPP with the goal of at least 1 share per week minimum. [U][B]TO THE POWERS THAT BE; PLEASE, PLEASE BRING BACK TO 10% DISCOUNT. [/B][/U] I recently opened up a Merrill Edge account because I got sick and tired of checking the family and the Kid's savings acounts just to see them earn $.06 intrest a month. Less than a dollar a year earnings? OUCH!! So far all my buys have been dividend stocks except one I thought might be a growth stock and was currently right at its 52week low (MRVL). First lesson learned- Div from a forgein stock gets smacked for a 25% tax right off the top, PTNR's $26 div becomes $19 and change. Not the 10% yield I was after! Second lesson learned- a stock at its 52week low point in a market thats up 30+% for the year is low for a reason!! We'll see how it does in another 6 months, it has a very high Beta. I am 1/2 way though my 8th book on investing. Any good books you'd recommend? [U][B]Jones[/B][/U]-the numbers look ugly to me. Just to add to the conversation, most the ratings groups have down graded NLY and other agency backed RIETS to underperform, holds and sells. I haven't found any pure, non-agency stocks and I think its just a matter of time untill the Hybrids get downgraded. NLY, TWO and ARR all decreased their dividends for the rest of 2012 and last week the govt. reported a sharp increase in prepayments of mortgages (to the tune of over a 50% increase.) So what exactly am I missing here? [/QUOTE]
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