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SVTPerformance's Chain of Restaurants
Road Side Pub
401k Question
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<blockquote data-quote="Ohio Snake" data-source="post: 16678549" data-attributes="member: 157862"><p>Assuming you no longer worked for the sponsor of your 401k or your sponsor offered in-service withdraws to do a rollover.</p><p>IRA’s may not be protected from creditors if you get sued, where the 401k is off limits to creditors…..and at age 55, you may be able to take penalty free distributions in a 401k, were your IRA may have a penalty unless the distribution qualifies for a waiver.</p><p></p><p>A self directed brokerage 401K would be best, if offered.</p><p>Some 401K’s offer a Roth which allows more annual contribution than a Roth IRA.</p><p>Target date funds can actually be very good for allocation and risk based on age. Some target date funds may offer funds wrapped in the target fund that are not available in a 401K platform. American Funds, BlackRock and Vanguard target funds can offer 2050+ target date funds that can rival average returns of SP500 index funds with more diversification. There are SOME shitty target date funds. </p><p></p><p></p><p>Sent from my iPad using Tapatalk</p></blockquote><p></p>
[QUOTE="Ohio Snake, post: 16678549, member: 157862"] Assuming you no longer worked for the sponsor of your 401k or your sponsor offered in-service withdraws to do a rollover. IRA’s may not be protected from creditors if you get sued, where the 401k is off limits to creditors…..and at age 55, you may be able to take penalty free distributions in a 401k, were your IRA may have a penalty unless the distribution qualifies for a waiver. A self directed brokerage 401K would be best, if offered. Some 401K’s offer a Roth which allows more annual contribution than a Roth IRA. Target date funds can actually be very good for allocation and risk based on age. Some target date funds may offer funds wrapped in the target fund that are not available in a 401K platform. American Funds, BlackRock and Vanguard target funds can offer 2050+ target date funds that can rival average returns of SP500 index funds with more diversification. There are SOME shitty target date funds. Sent from my iPad using Tapatalk [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
401k Question
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