5 funds for your 401k in 2013

These mutual funds are leaders in their asset classes and are solid choices for IRAs as well. If you can't buy exactly these funds, you may want to look for similar ones.

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24Comments
Mar 3, 2013 10:19PM
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Great choices if your plan offers them but most don't. How about 4-5 alternatives in each category to increase the odds that small plan investors can land one or two of them.
Dec 17, 2012 3:53PM
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Very beneficial and important info.  As a long time investor these are some solid picks.  I own or have investments that are similar to those recommended.  Wether you're a young rookie to investment strategies, or a long time mature investor, these types of funds are basic to a long term retirement portfolio...  wether it be a TSP, IRA, 401K, etc.  Do yourself a favor and invest. 
Dec 17, 2012 2:09PM
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The tax deferral concept has been dubious from the very beginning.  Common sense should tell you your taxes will most likely be higher in the future, so putting off the taxation has never been in your best interest.  The best advice for 401k participants is to stop contributing and first concentrate on debt elimination.  Then accumulate funds in after tax accounts.  If you want to dabble in what Warren Buffett refers to as "casino gambling" (the stock market) stick to index funds.
Dec 17, 2012 1:50PM
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Recommend stocks, or mutuals that are in companies that invest in India, China, Germany, Sinapore.  Choose a country that has countries putting in capital investments.  I also recommend you keep half your money off shore.  You won't find anyone in Europe with  100 million or more in their countrys.  Now that our congress has bankruped the U.S. (if you can't do the math and agree with us then your a loser so not read any further) you need to pick countries with a stable currency.  It will take some time.  I choose singapore but you need to do the home work and choose your path.

 

Kurt

 

Dec 17, 2012 1:37PM
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 The information provided here is very useful, but over-whelming and too confusing when choices need to be made in a 401K that are not the same as the funds mentioned in this article.

  I recently wrote a blog at http://www.YouControlinvesting.blogspot.com to help in choosing the best fund, of those offered in a workplace retirement account. 

  For those that don't wish to put in the time to research a fund, I suggest the focus be put on Management of the fund. Look for tenure of five years or more, then all the information about the fund will reflect the performance of the Money Manager of the fund.

  Bruce Cortez

 
Dec 17, 2012 1:00PM
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Federal Govt uses Thrift Savings Plan.  Fair number of indexed funds all with ridiculously low admin fees - .025%.  Makes you wonder why some of these other funds charge so much...
Dec 17, 2012 12:40PM
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My companies 401k can not be cashed out until you are no longer employed.  Is that common?
Dec 17, 2012 12:38PM
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I have issue with the international funds.  Doesn't it seem un-American to invest in companies in other countries that are contributing to the down fall of our own economy?  Why should American investors support the movement of more of our jobs overseas as these companies grow? 

 

Think twice before you look for fruitful investment opportunities.  Remember - "Greed is the root of all evil"! 

Dec 17, 2012 12:17PM
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 Why is there an expense? They have my money, and I take the inflation loss while they have my money, they invest my money and make money on my money--can it be more clear?

The last 12 years DJ is almost the same  ERGO no increase in value on average, never mind what I could buy for 100,000 in 2000 compared to today(inflation, both real and calculated), in just about everything except houses.

Dec 17, 2012 11:49AM
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Gather round sheeple gather round. Wall street has a deal for you. And remember after they take your money - and claim they are going under - our government will bail them out again (With your tax dollars). LOL.
Dec 13, 2012 12:39PM
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Thursday must be trash day at MSN except that instead of throwing out bad articles, they get published today (re: Kennedy, Mirhaydari, Petersen, Reeves).  None of these funds I would trust in ayear following an election, especially with the bozo that was re-elected.

 

Dec 13, 2012 12:01PM
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Good lord are you fiscally ignorant, brutisbear.  If you want to protect against inflation, stocks and metals are the best places to be.

Dec 12, 2012 9:53PM
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I don't know, but it sure looks like a lot of these funds have some pretty high expense ratios.  Past performance is no guarantee of future results....  Are these funds REALLY a good deal? Only the future will tell.  Can you tell the future?  Well I can tell you these funds have high expense ratios; but little else. 
Dec 12, 2012 9:12PM
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Cash out everything and buy a safe and buy gold and or silver and keep buying it and stash it away. All safety deposit boxes at banks will be confiscated also.
Dec 12, 2012 8:55PM
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Best thing is before Obama takes your 401k's is close them out an lock cash up in safe and just add cash too it until you retire!
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