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May 6, 2021 at 17:17 comment added Orange Coast- reinstate Monica This is a good point. Alternatively, if you really want to avoid fund fees, 401(k) plans often have a cash-like fund, e.g. "stable value" fund, with far lower fees than the equity fund fees. Cash gathers near-zero interest these days, anyway. This way, you are still maxing out your retirement contributions, but waiting to invest them until you have fund options with low fees. Waiting until you can rollover your 401(k) or change jobs. Last, it's worth asking if and when you can rollover funds from this plan, even while still employed by this employer.
Dec 21, 2011 at 15:50 history answered duffbeer703 CC BY-SA 3.0