401K Fund Selection Strategy
Here you can find best planning for your 401K / Retirement
Saving plan that suit your age and you can make big money.
MODEL-1 ( Age group between 20 to 40 year )
In this model you have to invest all money in high risk
!!!! Why so?
High risk high return !!! Your duty will start after 40 year. In
this model you get 18/27 year to come out from high risk fund. 18 year
for early retirement and 27 year for regular retirement.
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After 40 year you need to watch stock market and when stock market reasonably goes up
take off all money from high risk and follow that age group model. In
this model if you miss to take off money from high risk there is 100% chance
to loose whatever you gain and we never knows you will get another chance to
come out with big money or not !!! Here you got option if you don't want to
loose chance to come out from high risk fund, in market many services are
available they guide you by taking little money.
Drawback:
In this model you are investing in high risk fund in any situation of
stock market ( too high or low). Normally when stock market are too high it
not advisable to invest in high risk fund.
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Model-2 ( Age group between 40 to 50 year )
For this age group it is favorable to invest
1) 30 % in high risk fund
2) 40% in moderate risk fund
3) 30% in low risk fund
After you reach at 50 year start to watch
stock market If you sees market are reasonably up take off all high
risk money and moderate risk money and follow your age group model. If you
don' want to take more risk near retirement don't select high risk fund and
that 30% keep in stable fund ( same as cash type fund).
Model-3 ( Age group above 50 year )
Now this the important period to save your
retirement plane money. Start to watch
stock market If you sees market are reasonably up take off all high
risk money and also 50 % from moderate risk fund and place in lowest
risk fund or stable fund ( same as cash type fund). Here still you got 50 %
money in stock market. You need to plan that way so near age 60 your 30%
money stay in stock market and that divide only in moderate and low risk
fund only and before 3year retirement don't leave any money in
moderate fund also. if you like keep 15% to 20% money in low risk fund only.
Because near retirement if you keep more money in high risk or moderate risk
fund and stock market are in negative trend your gain transfer in loss.
Model-4 for All Age group
If you really want reach retirement you need our
membership. In our membership we provide you time to time
information about stock market . Near to major trend change we
send you Email alerts to change your fund. We continuously
watching economical events, major news that effects future
economical growth, Stock market trend after doing many technical
analysis we suggesting you to transfer your fund from low risk
fund to high risk fund or high risk fund to low risk fund.
In our premium 401K plan you going to transfer your all money
in high risk fund when stock market are near bottom or bottom
out, and you going to transfer your all high risk money in
lowest risk or stable fund near top or near down trend start.
After receiving our Email alert you need to react
That way you are buying your fund stock at lowest price and
selling at high price and saving your profit by transferring
your money in lowest risk/stable fund
If you don't know which fund are high risk, moderate risk and
low risk, just send us your fund list and we send you that
information.
All the 401K Plan they allow you to transfer your fund once
in a day.
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