You are here: Home >Archive for November, 2010

4 Types of Small Business Plans for Self Directed IRA Accounts

Self directed IRA accounts work great for those who want to make their own financial decisions, but what about individuals who are self employed or own small businesses? Where do they turn when it comes time to think about retirement plans?

Most of businesses aren’t big enough to qualify for a large retirement plan. So the IRS has constructed several small business retirement plans for these people to take advantage of. When it comes to retirement age, many self employed and small business owners could be left with a meager social security check that would not meet the needs of the lifestyle that they are accustomed to living.

  • Digg
  • Del.icio.us
  • StumbleUpon
  • Reddit
  • Twitter
  • RSS

How Safe Is the “Safe” Investment Among Your 401k Plan Options?

How Safe Is the “Safe” Investment Among Your 401k Plan Options?

By George Huss

This article will help you see that the “safe” investment, the Target Date Fund, in your plan may be among the riskiest investments you have ever bought into.

It is my opinion that these funds are flawed by design, not only because the idea of rebalancing a portfolio on some arbitrary date with no consideration given to the state of any market whatsoever, but because there is a disconnect between the theory and execution of the need for the safety of bonds in an individual portfolio – the execution is to put the investors’ money into bond funds which is not the same product as bonds.

  • Digg
  • Del.icio.us
  • StumbleUpon
  • Reddit
  • Twitter
  • RSS