Everything posted by RabidM
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
How do you sell everything to cash? I didn't see that as an option.
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
are non-traditional IRAs subject to seizure or are they also exempt?
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
Creditors can't seize IRAs in Texas, right?
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I didn't know what to do so I didn't change anything. I'm afraid to look at the balances now. I want to roll over, but I'm afraid they'll crater before I can get the money out. I think I might be forced to go into those stability of principal type accounts even though the money might be trapped there. I'm also afraid he'll ease off the tariffs while my money is in transit and i'll miss any bounce back. Kind of freaked out here.
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Tariff wars, they have began
He's not thinking that far ahead. Plus he probably still doesn't understand what tariffs are and likely everyone around him is too afraid to correct him.
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Trump’s America
Not his first rodeo with nazi quotes https://www.nbcdfw.com/news/local/collin-county-judge-using-nazi-propaganda-in-campaign/1885141/
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DOGE: America Fucking Around
He probably never gave out the 2 million dollars. The recipients were likely chosen beforehand and were essentially in on it knowing they weren't getting paid. This is how Elon would have evaded arrest if charges were ever brought. He could show that he never actually paid out the 2 million dollars. As long as the voters were not aware of the sham before the election, it makes no difference in turnout.
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Trump’s America
Looking at the map, that Schimel guy did not run up huge margins in most rural districts. I'm seeing a lot of high 50s and low 60s. A lot of GOP voters crossed the line.
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Trump’s America
Wisconsin is interesting. Susan Crawford has an early lead, but adding voter ID to the state constitution is also winning, and winning big. Does this mean a lot of GOP voted for Crawford? You would think the Dem vote is voting no on that amendment.
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Trump’s America
It's deep red. Oddly, the election is too soon into his term to really hurt them yet. A year from now, this might have been a winnable race. But as of now, Social Security cuts haven't happened yet. Tariffs haven't been fully implemented. We have only seen the tip of the iceberg we're about to hit. Many of them still think Trump's only going to hurt the libs. It will be too late when they figure it out.
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Trump’s America
They called FL House seat 6 for the republican, Randy Fine. This is a deep red district. I'm guessing the margin is much closer than Trump's win in the district. No results in from the other elections yet.
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I'm 49
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I found the pdf sheets on those funds. One has fees listed. The other has a ton of verbiage. I'm starting to really intensely dislike dealing with Voya. https://www.voyaretirementplans.com/fundonepagerscolor/1319.pdf https://my.voya.com/static/fundonepagerscolor/4450.pdf
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
That's a hunch on what might happen if the Dow completely crashes out. It's something I'm watching. Unfortunately, I have struggled mightily in my life financially. I don't have nearly enough saved to avoid being impoverished at some point. I might need to take a risk to try and catch up. I probably won't end up doing it, but I at least want the option to explore it. I am aware crypto is very, very risky/speculative.
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
Were there any other options in there with less market volatility to them? How quickly could I get rolled into a self directed fund? If you notify Voya that you want to roll over into a new company, do they convert your funds to cash and hold them or do they stay in their current investment distributions?
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I'm leaning toward rolling into a self directed fund. I want to get out of stock volatility this week though. This week could be really bad. Tariffs on Wed and job report on Friday and it was already trending down. yikes Thanks for looking. I think the two might be my only options. How large could the fees be?
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I put the full list of options in there. Are any of those money market funds?
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
Fund B: TARGET-DATE FUNDS VANG TR II INCOME VANG TR II 2020 VANG TR II 2025 VANG TR II 2030 VANG TR II 2035 VANG TR II 2040 VANG TR II 2045 VANG TR II 2050 VANG TR II 2055 VANG TR II 2060 VANG TR II 2065 VANG TR II 2070 BONDS PIMCO REAL RETURN TR VANG TOT BOND MKT INST PIONEER STRAT INC Y VRTS S HIGH YIELD I BALANCED VANG WELLINGTON ADM LARGE CAP VALUE/BLEND VANG WINDSOR II ADM VANGUARD INST INDEX VANG PRIMECAP ADM LARGE CAP GROWTH VANG US GROWTH ADM SMALL/MID/SPECIALTY Vanguard Selected Value IVY MID CAP GROWTH CIT C DLWR SM CAP VAL INST NATIONWIDE GENEVA SM CAP GRWTH Cohen & Steers US Realty Class RS GLOBAL/INTERNATIONAL Vanguard Developed Markets Index Admiral DFA Emerging Markets Core Equity VANG EURO STK IDX INSTLl STABLE VALUE OPTION (My money has to stay here for 90 days before I could move to a self directed fund)
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
These are my options. Each fund had different choices. The category is in bold, choices underneath. Fund A: STABILITY OF PRINCIPAL 4450 Voya Fixed Account (4450) (My money has to stay here for 90 days before I could move to a self directed fund) BONDS 2952 Nuveen Infl-Linked Bond Fnd R6 3918 BlackRock High Yield Port K 6931 Baird Aggregate Bond Fund Inst C428 BlackRock US Debt Index Fund R E754 Thornburg Strategic Income Fund R6 ASSET ALLOCATION 6034 flexPATH Index+ Conservative Ret R1 6176 flexPATH Index+ Conservative 2035 R1 6563 flexPATH Index+ Conservative 2045 R1 6617 flexPATH Index+ Conservative 2055 R1 8545 flexPATH Index+ Aggressive Ret R1 8563 flexPATH Index+ Aggressive 2035 R1 8564 flexPATH Index+ Aggressive 2045 R1 8573 flexPATH Index+ Aggressive 2055 R1 9684 flexPATH Index+ Moderate 2035 R1 9685 flexPATH Index+ Moderate 2045 R1 9686 flexPATH Index+ Moderate 2055 R1 9687 flexPATH Index+ Moderate Ret R1 F229 flexPATH Index+ Aggressive 2065 R1 F234 flexPATH Index+ Conservative 2065 R1 F239 flexPATH Index+ Moderate 2065 R1 LARGE CAP VALUE/BLEND C975 Fidelity 500 Index Fund D264 Large Cap Value Fund R1 LARGE CAP GROWTH 3494 JPMorgan Lrg Cp Growth Fnd R6 SMALL/MID/SPECIALTY 2566 DFA U.S. Targeted Value Port Inst 6593 Vanguard Info Tech Index Fnd Adm 6856 JPMorgan Mid Cap Growth Fund R6 8203 Virtus Duff & Phelps Real Est Sec R6 C698 Janus Hndrsn Gl Life Sciences Fund N C993 Fidelity Sm Cp Ind Fund D122 Fidelity Mid Cap Index Fd E645 BlkRck Md-Cp Value Fnd K E750 Putnam Small Cap Growth Fund R6 GLOBAL/INTERNATIONAL 1913 DFA Emerging Mkts Core Eq 2-Inst C427 BlackRock EAFE Equity Index Fund R E601 Putnam International Value Fund R6 E752 International Equity Fund R1
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I don't see anything with money market in the name. These are the categories for the two funds. Each category has one to 15 or so choices under it. 1st Fund: STABILITY OF PRINCIPAL BONDS ASSET ALLOCATION LARGE CAP VALUE/BLEND LARGE CAP GROWTH SMALL/MID/SPECIALTY GLOBAL/INTERNATIONAL 2nd Fund: TARGET-DATE FUNDS BONDS BALANCED LARGE CAP VALUE/BLEND LARGE CAP GROWTH SMALL/MID/SPECIALTY GLOBAL/INTERNATIONAL Do you know where I should be looking?
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Texas Offseason 2025 - Archmania Is Upon Us
It's his first year as a a starter. He'll win the Heisman next year. They won't want to give it to Arch two years in a row. But, seriously, Livingstone will be WR1 this year.
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Some questions about decisions in my 401k distributions and possibly rolling into a self directed fund
I have a few questions and could use some guidance. I have two fully vested 401ks currently with Voya. I feel a recession is coming, perhaps a really bad one. The inflation numbers just released were bad and the next jobs report is going to be horrific. Tariffs are coming in the next few days. All bad. This week, I want to change how my 401k money is invested. I had high yield positions which had been good, but I want get into something that is as close to cash as I can get for now. There is a list of distribution options on the website, but their customer service was horrific and all in India. If I gave you guys a list of my options, could you tell me which ones are the good, super, super low risk? They are listed by their abbreviations on the website. Each 401k has different options. Ideally, I would prefer to not distribute my money into something that requires my money to be there for like 3 or more months. Because... In the near term, I am also trying to decide if I should move my money into a self directed fund. I would like some more control/options and perhaps be able to buy things that people buy in big Dow sell offs, like gold. I might want to, perhaps, dip my toes in the crypto market. Yes, I know but I wonder if people might run to the crypto market instead of traditional things like gold this time. I have some big decisions to make and Voya was less than useless.
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Texas Offseason 2025 - Archmania Is Upon Us
Livingstone will win the Biletnikoff award this year.
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Burnt Ends Dinner 2024-2025 RSVP and stuff
NM
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Texas Offseason 2025 - Archmania Is Upon Us
Parker Livingstone will be our top WR by season's end.