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Wow this takes market timing to a whole new level! You actually contact HR to have your 401k contributions scaled up and down throughout the year based on your intuition of when is a good buy time, or do you vary in on their website?
Don't need to contact HR to make changes, we can make them ourselves as often as we want right on the Fidelity site. We can change contribution %, switch %s between pretax, Roth, after-tax, change investment funds, etc. The number of times I make changes is really only like 2 or 3 times a year.
Last edited by lottamoxie; 01-29-2016 at 08:07 PM..
I just bought today for my husband's account. There is a restriction to his 401k account that you can buy 2 times a month. So today is the last day of this month. I normally buy when the market goes down but this is an exception. His account still has 90% in cash and we bought this fund and the international for a 20% discount. I can't complain but I wish more doom and gloom threads. Where are they? Murphy's law is great isn't it?
I made my 2016 fund selections in late December. The choices get funded about 10 days after each pay date. I went aggressive with my choices (85 / 15).
Yeah how about that rally today! Did anybody sell 4% ago? After 10% declines in the stock market, only 1 out of 4 times has the market dropped 20% or more. I don't like those odds. Best to stay in.
To add to the "stocks will be going up" statements by Lottamoxie and Mathjak
I had been trying to finalize a transfer from Vanguard to the TSP since 1/5, date Vanguard began to process the check-but paperwork didn't get sent to TSP from Vanguard. The transfer would have been happening during the downdraft, so my transfer of cash would be like the old sell high, buy low. Lucky timing.
Still waiting and waiting and waiting. The transfer will probably now clear when the SP is back above year end price.
You might want to call Vanguard. I did and found out something was wrong. Dealing with Vanguard is like having to deal with the 3 Stooges, full of errors and mistakes unintentionally, and they were not done for comedy either. I have mine transferring into Vanguard and not out of.
Last edited by NewbieHere; 01-30-2016 at 09:56 AM..
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