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Reply to "401s are they just a big scam? Is it a new reitrement thing that hasn't stood the test of time?"
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[quote=Anonymous]It depends on how you organize it. For example, I'm in my 40's and have been working for over 20 years. I've worked for 5 companies in that time. When I switch companies, I take the rolled over amount and I move it to an IRA that I have that is on a more conservative investment track. I then take my current job's 401K and use an aggressive investment strategy in the hopes that it will grow faster, but not put my bigger "nest egg" at too much risk. it's work pretty well now and have more than 50% of what choosetosave.org thinks I need to have saved for my retirement and I'm still about 20 years away from retirement age. I'm about on track to ensure that I will have enough to live on between my retirement funds and my social security when I get to retirement age.[/quote]
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