401K/401B/IRA/Roth Editorial

[dbarberic]

I would like one of the contributors or EJ to do a write-up on retirement plan investment implications based on the current thinking of iTulip (ala.. ka-poom) for many of the salary slaves that subscribe to the site.

Points of interest:

Given that the typical retirement fund offers limited investment options (typically international, S&P index, etc), what is the best way to hedge for a ka-poom like scenero as iTulip is predicting?
Given limited investment choices, does it make sense to even been invested in a tax deferred retirement program? Should more $$$ be taken taxable now and invested in a more targeted investment choice outside of these programs?
What are potential legislative changes that the editors of iTulip believe may be in the cards for retirement plans as the US goes through the sequence of Ka-Poom events? Personal retirement funds represent the last $$$ out there that the government can raid; specifically I have heard theories such as: government will raid the retirement programs by requiring programs to buy US zero coupon bonds, the Roth IRA will become taxable, etc.
Any other relevant thoughts on retirement programs as it applies to iTulip thinking.Thanks guys....

[Andreuccio]

I would like one of the contributors or EJ to do a write-up on retirement plan investment implications based on the current thinking of iTulip (ala.. ka-poom) for many of the salary slaves that subscribe to the site.

Points of interest:

Given that the typical retirement fund offers limited investment options (typically international, S&P index, etc), what is the best way to hedge for a ka-poom like scenero as iTulip is predicting?
Given limited investment choices, does it make sense to even been invested in a tax deferred retirement program? Should more $$$ be taken taxable now and invested in a more targeted investment choice outside of these programs?
What are potential legislative changes that the editors of iTulip believe may be in the cards for retirement plans as the US goes through the sequence of Ka-Poom events? Personal retirement funds represent the last $$$ out there that the government can raid; specifically I have heard theories such as: government will raid the retirement programs by requiring programs to buy US zero coupon bonds, the Roth IRA will become taxable, etc.
Any other relevant thoughts on retirement programs as it applies to iTulip thinking.Thanks guys....


I second that. Great questions.

One thing that ocurs to me as I read the first two questions is the wide range of retirement plans. I know some people in their 401k/403b are very limited in the choices they can make. Mine, with Fidelity, is actually quite broad, with over 100 funds to choose from. That still might be too narrow. I certainly felt constrained these last couple of months. Then, with my Roth, I can invest in lots of stuff: stocks, ETF's, etc.