401K/401B/IRA/Roth Editorial

[dbarberic]

I would like one of the contributors or EJ to do a write-up on retirement plan investment implications based on the current thinking of iTulip (ala.. ka-poom) for many of the salary slaves that subscribe to the site.

Points of interest:

• Given that the typical retirement fund offers limited investment options (typically international, S&P index, etc), what is the best way to hedge for a ka-poom like scenero as iTulip is predicting?
• Given limited investment choices, does it make sense to even been invested in a tax deferred retirement program? Should more $$$ be taken taxable now and invested in a more targeted investment choice outside of these programs?
• What are potential legislative changes that the editors of iTulip believe may be in the cards for retirement plans as the US goes through the sequence of Ka-Poom events? Personal retirement funds represent the last $$$ out there that the government can raid; specifically I have heard theories such as: government will raid the retirement programs by requiring programs to buy US zero coupon bonds, the Roth IRA will become taxable, etc.
• Any other relevant thoughts on retirement programs as it applies to iTulip thinking.

Thanks guys....

[Andreuccio]

Re: 401K/401B/IRA/Roth Editorial

I would like one of the contributors or EJ to do a write-up on retirement plan investment implications based on the current thinking of iTulip (ala.. ka-poom) for many of the salary slaves that subscribe to the site.

Points of interest:

• Given that the typical retirement fund offers limited investment options (typically international, S&P index, etc), what is the best way to hedge for a ka-poom like scenero as iTulip is predicting?
• Given limited investment choices, does it make sense to even been invested in a tax deferred retirement program? Should more $$$ be taken taxable now and invested in a more targeted investment choice outside of these programs?
• What are potential legislative changes that the editors of iTulip believe may be in the cards for retirement plans as the US goes through the sequence of Ka-Poom events? Personal retirement funds represent the last $$$ out there that the government can raid; specifically I have heard theories such as: government will raid the retirement programs by requiring programs to buy US zero coupon bonds, the Roth IRA will become taxable, etc.
• Any other relevant thoughts on retirement programs as it applies to iTulip thinking.

Thanks guys....

I second that. Great questions.

One thing that ocurs to me as I read the first two questions is the wide range of retirement plans. I know some people in their 401k/403b are very limited in the choices they can make. Mine, with Fidelity, is actually quite broad, with over 100 funds to choose from. That still might be too narrow. I certainly felt constrained these last couple of months. Then, with my Roth, I can invest in lots of stuff: stocks, ETF's, etc.