retirement

Are passive investors smarter than active investors?

Active investors are dumber than passive investors. A new study says so. Passive investing is boring, active investing is much more interesting… Active investing is the only way to beat the market… Passive investing is for those who don’t know/care about investing… I have heard all of these in any debate about active vs passive [...]

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Borrowing from 401k for first time home down payment

We are contemplating borrowing from 401k as a down payment assistance. Crazy? Lets see. Conventional wisdom says – “ Never take money out of your 401k, it doesn’t make sense in any situation”. First, I totally understand that retirement savings are best left for retirement. But conventional wisdom might not be perfect for every single [...]

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Taking a 401k loan – Rules and limits

For most of us, putting money away for our retirement in a 401k account is the first and only act of real savings.  These savings are intended for our retirement, so it is widely acknowledged that this money should not be touched for anything other than retirement purposes. But what if you have no where [...]

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Different retirement plans – What is right for you?

All of us dream about retirement.  In our parents’ generation retirement meant you would get a pension; all you had to do was work hard for a company and  your retirement will be taken care of. Its not the case anymore. If you want a comfortable retirement you have to work for it. With a [...]

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