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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Long Term Investing & Retirement: The second best time is now
 
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!

Aggro Craig posted:

Is there any significant difference between ETFs and index funds?

There was just an article on money.cnn.com about this -

http://money.cnn.com/2009/01/06/pf/funds/etf/ETFs_index_funds.moneymag/index.htm?postversion=2009010705

* # ¿ Jan 14, 2009 16:19
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# ¿ May 7, 2024 01:49
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!

Bob Cthulhu posted:

They went out of business earlier this year. I assume that makes the 401k go away...but I don't really know any specifics, so it's kinda a guess.

The 401K account doesn't go away... they money is his.

* # ¿ May 2, 2009 13:57
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!
Your per share price gains don't seem that outrageous to me considering the entire market dropped about 40 percent last year.

* # ¿ May 12, 2009 19:15
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!
I know for a fact the Tradtional IRA to Roth IRA conversion is being extended to all income groups (those making over $100,000) in 2010, but are they really doing away with all income requirements of a Roth IRA?

* # ¿ Oct 9, 2009 13:54
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!

dv6speed posted:

The only attractive feature, as far as I'm concerned, of 401k's are employer matching of funds. You don't have this advantage, so you are really better just to stick to a Roth IRA, and a Traditional IRA in place of the 401k.

Pre-tax contributions aren't considered attractive?

* # ¿ Jan 7, 2010 17:42
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!

gp2k posted:

Yeah, you're right.

Related question though, since the Vanguard Prime Money Market fund is making 0.09%, and its expense ratio is 0.25%, why would anyone put money in it? Why not keep it in a savings account in a bank that has no fees or expense ratio?

Exactly. That's why mine is in a savings account earning ~1%. It's for emergencies, not investing. Safety and immediate liquidity is the goal here.

* # ¿ Aug 23, 2010 17:02
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!

gp2k posted:

Which bank if I might ask? My credit union's Money Market savings account for that balance range is only 0.4%

A local bank to me, Modern Woodmen.

* # ¿ Aug 23, 2010 19:07
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# ¿ May 7, 2024 01:49
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GOOCHY
Sep 17, 2003

In an interstellar burst I'm back to save the universe!
80k, what's your opinion on the rumblings of a "bond bubble"?

I've read up on the issue and I just can't seem to shake out whether it's real or not. Is there a large risk to investing in something like Vanguard's Total Bond Market fund? It seemed like a pretty safe part of my portfolio but now I'm starting to question myself.

* # ¿ Nov 18, 2010 22:48
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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Long Term Investing & Retirement: The second best time is now