patrick.net

AD says

Misc says

Just put in enough to get the match, and do it pre-tax, no Roth 401-k where you don't get the tax benefit. Best you can do with a 401-k type program and stay away from Index funds.

I agree about contributing to traditional 401K (pre-tax). When you retire and withdraw from it, you'll be in a lower tax bracket.

What do you mean stay away from index funds like Wilshire 5000 or S&P 500 ? ? ? ?

Where do you put the money ? If you work for the federal guvmint, the Thrift Savings Plan (i.e., 401K) only has index funds and government bond fund.

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Lots of private companies have been sold on the Index fund route a, as well. By at least getting the match and going pre-tax, you lose less value over the long term. Mathematically, the vast majority of people must lose value on their investments. The idea is to lose as little as possible.

Anyone here buying Tbills through Treasury Direct?

HeadSet says

Anyone here buying Tbills through Treasury Direct?

I used to but now the return pretty meh.

Misc says

Lots of private companies have been sold on the Index fund route a, as well. By at least getting the match and going pre-tax, you lose less value over the long term. Mathematically, the vast majority of people must lose value on their investments. The idea is to lose as little as possible.

I never lost money on my S&P 500 Fund as I've sold shares that I owned for at least 7 years

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