Some agents may be cheating, 401k itself is not

来源: MyTube 于 2008-10-13 22:33:01 [] [旧帖] [给我悄悄话] 阅读数 : (308 bytes)
本帖于 2008-10-14 07:23:51 时间, 由普通用户 BayFamily 编辑

If somebody promised you 12% gurantted return, then he is cheating.

401k has several advantages:
1. Tax Defer.
2. Company match.
3. Good investment strategy, it includes
(a)invest in index fund to avoid "stock picking" risk.
(b)dollar cost averaging to avoid "timing market" risk.

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