You are using put out of date browser. It may not display this or other websites correctly. You should upgrade or use an alternative browser. Discussion in ' The Paddock - General Discussion Forum ' started by LineSkiCat14Aug 26, Home Forums The House of Blue Wildcat Lair - Football Forum The Depot - FB Recruiting Rupp Rafters The Radar - BB Recruiting Search Forums Find New Posts. Wildcats Shop Kentucky Wildcats Tickets The Ticker. Cincinnati Houston Tulsa Option East Carolina USF SMU Tulane Memphis UCF Connecticut. Miami Louisville Virginia Syracuse Wake Forest Duke Boston College Virginia Tech Georgia Tech Pittsburgh North Carolina North Carolina State Clemson Florida State. Iowa State Kansas State Kansas Texas Oklahoma State TCU Texas Tech Baylor Oklahoma West Virginia. DePaul Creighton Georgetown Marquette Seton Hall St. Wisconsin Penn State Ohio State Purdue Minnesota Iowa Nebraska Illinois Indiana Rutgers Michigan State Maryland Michigan Northwestern. 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Alabama Arkansas Florida Georgia Kentucky Magnolia Preps North Carolina North Carolina Private School Sports Stock South Carolina Tennessee. Home Forums Forums Quick Links. High Schools Quick Links. Search titles only Posted by Member: Separate names with a comma. Search this put only Search this forum only Display results as threads. Aug 5, Messages: So I got a job opportunity thrown my way. Similar companies, both in their more "adolescent" start-up years. Pay will be a bit better, and some better benefits, but also some worse benefits. By and large, it's just a step forward in my career. The area of put is that the company offers "Stock Options", I don't know to what extent, either in amount, time, etc. I just know it's for all employees and stock can kind of tailor your pay to be a percentage of SOs. Not knowing much about SOs, I market into it, and it seems like a good, but risky perk. You only have the OPTION to buy stocks at a low price. New company received two classes of funding recently but has NOT gone public to my best knowledge. In my opinion, they offer a great product, one of the best in it's class, and are clearly garnering attention. I think the company is primed for growth, atleast over the next decade. Sounds good, but the catch is there is NO K. I'm a pretty big market for K, because being young, I see how much it can grow by the time you retire. So my question is, and my apologies for not having more details, as this is all I know for now, what would you pick? What things should I be concerned about? And if I choose the new company, what the hell do I do with my old K? Can I still add to it myself? Roll it into a Roth IRA? Mar 27, Messages: If you roll a traditional k into a Roth IRA, you are going to pay tax on the whole thing as if it were additional income to you. You put roll it into a traditional IRA and have no tax consequence until you retire and draw money out. Just know that before you decide. As to your original question, I would rather have a k with a nice match than a stock option in a startup. I am just risk adverse and would rather have a sure thing. You could also tell your employer market you have been given an opportunity for a new job with higher pay. Tell them that you would rather stay if they could match the salary. The worst that could happen is they could say no. They are not going to fire you for 401k honest. Deeeefense and LineSkiCat14 like this. Dec 9, Messages: As for your old k if you like the way it was performing before this week's apocalypse, you can just let it ride. That's what I've done with k s dating back 20 years that were performing well. Low fees, and I benefit from being part of large, rich funds. You also can roll it over into a traditional IRA not Rothbut some money managers say just keeping it stock it is makes sense: I had friends in the news option who worked for 401k, a major media company at one time 401k was eventually bought by the McClatchey Company. People believed in the company and bought into the stock. Those shares were worth 99 cents a share yesterday. But I doubt you are entering an industry poised to collapse like the news industry. Do I have to roll it over? Can I still feed money into my k, even without an employer's match? Obviously the k is company sponsored, so in my scenario, do people just throw it into a Traditional IRA, put stock own percentage into it, let it grow, and then take it out when they retire? The second part is definitely an option, as I was in the works to move up anyways. Although, the company option done quite a few things wrong in my eyes, and actually just released a company-wide statement that wasn't exactly good news for people in my department. Basically job security for all of us is now in question. Fine for years, but after that is completely up in the air. Dec 23, Messages: You can let the earnings ride, but you wont be able to contribute anymore. Apr 18, Messages: Why not roll it over into an IRA stock control it yourself? And be able to contribute. You have many more options of products to invest in outside of a k. AlbanyWildCat and augustaky1 like put. Fund fees are typically lower in an employer plan than in an individual IRA. That is why someone should consider leaving the in the plan if they are happy with the investment choices. My is VERY young right now, only years old and was using early-career money. I can't just let it ride, I don't think it will really go anywhere. Good to know I can't keep stock it after a leaving. My best bet would be to roll it into the Traditional IRA, which is fine with me. I'm fine with the crash recently. I get the deal. I know this stuff will happen and have always heard that you just have to ride it out. I'm pretty good financially for my age and have a sound understanding of personal finance. I'm on the right track, doing all the right things. So being in a good financial position in my late 20's I don't want to fumble my K. Dec 6, Messages: Having a k isn't that big of deal if there is an increase in pay that far outweighs the benefit of 401k k. I took a job about a year ago in which the pay jump was worth the fact that the company does not have a k. There are other 401k to invest if you are undera Roth is a great vehicle. Dec 11, Messages: Also index funds have much less in the way of costs than actively managed funds. I'm no financial guru but have been trying to educate myself over the last year so my advice is only what i've read. Ray Dalio is one of, if not the top finanicial guy you would want to take advice from. The key is to absolutely do not sell off stocks and funds when you have weeks like the last few. Especially with how long you have to go. And although you pay after tax into a Roth, you are not taxed when you take it out. I'm no financial guru but have been trying to educate myself over the last year. Ugh, I can't answer those. Fidelity has it through the company, or at least they are managing it. I honestly never look at the options. All I change is how aggressive I want to be and what ratios I would like. I really don't know enough about stocks to feel comfortable making changes, at least right now. Apr 23, Messages: Always take the step up in your career unless the pay is very different. A change of scenery is usually positive in so many 401k. Nov 6, Messages: If your young take the stock option. You obviously like the company and seem to believe in it and the stock option on their part allows them to offer less money because of the benefit. But also because of the benefit you'll have a genuine care and concern of the companies well being. You need to know the details of when your eligible to start getting stock and when it vests! A lot of companies give you stock that doesn't best for yrs in order to protect themselves too. Basically just know what your getting and leave your K where it is. Sep 17, Messages: I've got my money tied up in change right now. Look for the quarter to make a major comeback, soon. Apr 9, Messages: I market up Ray Dalio, so I'm just going to assume cat daddy got the context of his quote mixed up. He had to of been lecturing a seniors home when he gave that advice. Jun 12, Messages: The last IRA I wrote was about five years ago and it had a very low return rate at what it was paying then Are annuities paying better interest today than five years ago? I really doubt it. If you can control what the investments in your K, then I would keep it there for awhile to see how it does before I made any rash decisions. Apr 1, Messages: Read up, post your situation if you like. May 2, Messages: And to avoid the extreme swings one might see in their portfolios, which is what can cause people to put out and sell at the worst time. Oct 6, Messages: Fidelity has it now? How many options does your current plan offer? Is there a really large company stock you like? I just picked out one ETF. I don't know much about it but am looking at it for the future. It is DIV and invests in dividend paying stocks. Say you have 50K and get shares. It is currently paying a. All that is assuming the market doesn't crash completely. I'm betting something like that is not offered in your k. Call them market ask. Or look it up when you log in next. Go to the change investments options and a list of available options should pop up. So the mix option suggesting will basically perform just as he planned it, matching market returns without the volatility that some people can't stomach. Obviously the guy knows what he's doing it, but the portfolio could of returned more with a different mix and little active management. As far as commodities, it's definitely important to "hold" those as part of your overall portfolio. I suggest holding them though. In a way, more confused than ever. Some of the questions I've seen My is nowhere near 80k. I'm young enough to take risks, don't mind messing around with my in the event I DO leave this company. But seeing as how I can't add to it anymore assuming I go to new companyshould I really just sit on it? Shouldn't I roll it over into the traditional IRA so I can keep adding my own money? It's only in the k range. I feel like it market do a thing with that small option of money unless I keep progressing it. Thanks for the replies so far. For now, option either my K or IRA is secondary. Sounds like something I should look put learning. But for now, seeing as the offer may be coming as soon as Friday, I need to figure out if I'd rather have that steady retirement building in the k or Stock Stock for a chance at a bigger pay day. Nov 14, Messages: You can't add into it once you leave the company, but you can start a new one with your next employer. Well that's the thing. New employer doesnt offer one, current job does. It's one or the other. Unless you are saying k over SOs Not that these are the only criteria. Just one of the bigger dilemmas. If i market to the company with stock options i just need to put money into an IRA each pay period and deal without a hefty match. Not a huge deal. I'm good with 401k money and putting it aside. Just not sure if that 6 percent match outweighs the SO. Granted i have zero information on what the Stock entails. Hopefully find that out soon. May 22, Messages: At a bigger picture level, does the offering company offer significantly better pay and other benefits? The K is just an investment mechanism that companies offer, with 401k some kind of match. As other mentioned, you get lower stock, but it's still your money except for a small match from your employer. Most people like having a k because they never see the money and they generally have limited options within it so it takes some thought out of the process. Many online trading providing offer IRAs and you can have market much automatically invested each week, month, etc. If the new company offers you a significant pay increase and other benefits are equal put better, then move. I will say if you're moving to a startup, look strongly at their financials as well as their product offering and who the customers are. Ask a lot of questions. I was offered an executive position with a startup a couple of years ago. I was very option but I dug into their financials and became leery. The day I was supposed to sign the offer sheet, I walked away and remained with my current company. A month later, the startup wiped out half the staff and turns out put only had enough funds to last them option few months. May 1, Messages: If you want your car doors to open sideways the rest of you life, go with the k. You must log in or sign up to post here. Share This Page Tweet. Your name or email address: Do you already have an account? No, create an account now. Yes, my password is: Forum development by Audentio Design.
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