401kurator
@401kurator.bsky.social
Hello! I am the (un)Official resident nerd on Employer Plans. Call me (k)
I have 20+ years in personal finance and employer plans and an alphabet soup of designations. AMA
#FinSky
Posts are not to be taken as advice… mostly because sometimes I’m wrong.
I have 20+ years in personal finance and employer plans and an alphabet soup of designations. AMA
#FinSky
Posts are not to be taken as advice… mostly because sometimes I’m wrong.
I’m case you need a reminder how we got here.
I made a cogent, correct statement and asked you to defend yours. Still nothing.
I made a cogent, correct statement and asked you to defend yours. Still nothing.
December 18, 2024 at 12:20 AM
I’m case you need a reminder how we got here.
I made a cogent, correct statement and asked you to defend yours. Still nothing.
I made a cogent, correct statement and asked you to defend yours. Still nothing.
I never once went off topic. And you still refuse to stay ON topic.
You absolutely simp for billionaires. So make your case or be gone.
You absolutely simp for billionaires. So make your case or be gone.
December 18, 2024 at 12:19 AM
I never once went off topic. And you still refuse to stay ON topic.
You absolutely simp for billionaires. So make your case or be gone.
You absolutely simp for billionaires. So make your case or be gone.
This account is political. I’m here to share my wisdom on the economy and employer plans in a factual, apolitical manner.
I’m not interested in your political views. I am interested to see you defend billionaires. Which is why I replied.
And you’ve still not made a point. It’s tiresome.
I’m not interested in your political views. I am interested to see you defend billionaires. Which is why I replied.
And you’ve still not made a point. It’s tiresome.
December 11, 2024 at 5:47 PM
This account is political. I’m here to share my wisdom on the economy and employer plans in a factual, apolitical manner.
I’m not interested in your political views. I am interested to see you defend billionaires. Which is why I replied.
And you’ve still not made a point. It’s tiresome.
I’m not interested in your political views. I am interested to see you defend billionaires. Which is why I replied.
And you’ve still not made a point. It’s tiresome.
You simping for billionaires isn’t political. It’s imbecilic.
If you’re here to shit on libs, I’m not interested. If you’re here to Simp for MAGA I’m not interested.
Stay on topic or move along.
If you’re here to shit on libs, I’m not interested. If you’re here to Simp for MAGA I’m not interested.
Stay on topic or move along.
December 11, 2024 at 5:45 PM
You simping for billionaires isn’t political. It’s imbecilic.
If you’re here to shit on libs, I’m not interested. If you’re here to Simp for MAGA I’m not interested.
Stay on topic or move along.
If you’re here to shit on libs, I’m not interested. If you’re here to Simp for MAGA I’m not interested.
Stay on topic or move along.
Yes, the inherit de-risk of a target date fund. Which most in 401ks default to. Even then, most have some sort of equity percentage, depending on if to or through retirement.
There’s no right or wrong and emotion def plays a factor. Especially after this election.
There’s no right or wrong and emotion def plays a factor. Especially after this election.
December 10, 2024 at 12:38 AM
Yes, the inherit de-risk of a target date fund. Which most in 401ks default to. Even then, most have some sort of equity percentage, depending on if to or through retirement.
There’s no right or wrong and emotion def plays a factor. Especially after this election.
There’s no right or wrong and emotion def plays a factor. Especially after this election.
Capital preservation is a lower risk of loss, sure. But has upside risk. Traditionally a balanced portfolio, even one with less equity is less risky. This of course is all dependent on a belief in modern portfolio theory… which has its detractors.
December 10, 2024 at 12:35 AM
Capital preservation is a lower risk of loss, sure. But has upside risk. Traditionally a balanced portfolio, even one with less equity is less risky. This of course is all dependent on a belief in modern portfolio theory… which has its detractors.
I’ve yet to say anything political.
But I am still waiting for you to make a point …
But I am still waiting for you to make a point …
December 10, 2024 at 12:28 AM
I’ve yet to say anything political.
But I am still waiting for you to make a point …
But I am still waiting for you to make a point …
You’re extra! Love it.
December 10, 2024 at 12:26 AM
You’re extra! Love it.
Perfect. You should be doing solo Ks for you both. Are you working with an advisor or opening on your own?
Through which platform?
(Feel free to chat me on this too)
Through which platform?
(Feel free to chat me on this too)
December 7, 2024 at 7:27 PM
Perfect. You should be doing solo Ks for you both. Are you working with an advisor or opening on your own?
Through which platform?
(Feel free to chat me on this too)
Through which platform?
(Feel free to chat me on this too)
Ohhh! I can help! Are you the only 2 employees? Do you have any anticipation of hiring full time employees?
December 7, 2024 at 4:31 PM
Ohhh! I can help! Are you the only 2 employees? Do you have any anticipation of hiring full time employees?
I’m not here to be political, so I’m not really interested in your anti liberal shit posting. Proceed if you feel you need to.
December 7, 2024 at 4:28 PM
I’m not here to be political, so I’m not really interested in your anti liberal shit posting. Proceed if you feel you need to.
Yeah still. If you cash out the 401k, you’ll pay taxes. A lot if you’re under 50. Unless you roll to an IRA. Even still, taxable if you access it to live off.
December 7, 2024 at 4:26 PM
Yeah still. If you cash out the 401k, you’ll pay taxes. A lot if you’re under 50. Unless you roll to an IRA. Even still, taxable if you access it to live off.
No question that Congress not being held to “insider trading” rules is a problem. Many many are taking advantage.
December 7, 2024 at 4:24 PM
No question that Congress not being held to “insider trading” rules is a problem. Many many are taking advantage.
There are probably other options for that money.
December 7, 2024 at 3:47 AM
There are probably other options for that money.
It’s all about balance.
And rebalance.
And rebalance.
December 7, 2024 at 3:44 AM
It’s all about balance.
And rebalance.
And rebalance.
What could go wrong?
December 7, 2024 at 3:43 AM
What could go wrong?
Facts. Lots of younger investors pushing for crypto in retirement plans. So far the adults in the room are winning, but it’s gonna open up soon I think.
December 7, 2024 at 3:41 AM
Facts. Lots of younger investors pushing for crypto in retirement plans. So far the adults in the room are winning, but it’s gonna open up soon I think.
Brutal.
But if you’re there for a couple years, under new SECURE 2 they might to let you in.
But there are better ways to spend your hours the next couple years.
But if you’re there for a couple years, under new SECURE 2 they might to let you in.
But there are better ways to spend your hours the next couple years.
December 7, 2024 at 3:39 AM
Brutal.
But if you’re there for a couple years, under new SECURE 2 they might to let you in.
But there are better ways to spend your hours the next couple years.
But if you’re there for a couple years, under new SECURE 2 they might to let you in.
But there are better ways to spend your hours the next couple years.
Major slippery slope. Pensions went away for a reason. Read up on Studebaker 1967. Go from there.
December 7, 2024 at 3:37 AM
Major slippery slope. Pensions went away for a reason. Read up on Studebaker 1967. Go from there.
Also, she’s wrong.
December 7, 2024 at 3:32 AM
Also, she’s wrong.
It’s likely very little. The only major 401k provider that allows crypto ETF investing is Fidelity. There may be funds of funds that have a piece of the Bitcoin ETF, but it’s likely very little.
December 7, 2024 at 3:31 AM
It’s likely very little. The only major 401k provider that allows crypto ETF investing is Fidelity. There may be funds of funds that have a piece of the Bitcoin ETF, but it’s likely very little.
You’re on the right track! 🤣🤣
December 7, 2024 at 3:25 AM
You’re on the right track! 🤣🤣