Can anyone recommend an excellent 401k administrator?
145472
I work with small to mid-sized businesses helping them design and implement retirement plans and other benefit programs. Your question is not easily answered mainly because the term "excellent" can mean so many different things. I assume you are looking for a TPA. Do you want the TPA to handle the recordkeeping also? Are you looking to replace a TPA on an existing plan or is this a new plan? Do you need new investment management also?\n\nTypically, a 401k plan has three distinct roles to be filled - Investment management, Administration and recordkeeping. This can be handled all by one company (a "bundled" plan) or by two or more firms (unbundled).\n\nI find alot of value for  smaller clients with the American Funds platforms, both bundled and unbundled. If the client is more price sensitive Oppenheimer also offers good platforms. My best advice would be to find a local financial planner that specializes in retirement plan design.\n\nIf you happen to be in PA, DE, NJ or FL, I can help you. Let me know if you would like to discuss this more.
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daveramsey.com\n\nhe's a financial guru
916337
Macy's San Diego is controlled by Macy's West, a subsidiary of Federated.  Macy's West is in San Francisco.  Call the human resources line: 415-954-6671 and let them know that you are trying to roll over your 401k into an IRA. More likely than not, your 401k is being managed by a third-party like Franklin Resources, Fidelity or one of the other thousands of fund administrators.  They'll probably try and point you in that direction.  However, before you hang up with Macy's, make sure you have all your information that you need to access your 401k account.  \n\nFor example, you'll probably need your employee number, what dates you worked for Macy's and even what address you lived at when you lived there.  Basically, this information is required because you are going to need to validate your identity to the 401k administrator.  You should have also been given a 401k pin and website... that will make life much easier, but it sounds like you lost that. \n\nI just went through this process.  It took a few times calling back and forth, but it wasn't a big deal.  Just keep your calm and it should be over pretty quickly.  Also, you should probably roll over to an IRA - not your 401k - since you have a huge amount more options. I recommend Vanguard (www.vanguard.com).
586783
Been there 9 years.  Good medical, dental benefits for your family, stock option plans, 401k, and tuition reimbursement (although this last one was phased out this year). Like any organization, there are good people and there are bad.  My experience is that the good definitely outnumber the bad. Many of the managers will work with you, especially if you have family, on scheduling, etc.  Just show them you are an excellent employee. Take advantage of the stock, though; you get to purchase it at a 15% discount.
543409
First of all, ccontributions are made with pretax income, so 401(k)s are great (as opposed to investing in a mutual fund with your after-tax money.  You can contibute up to $15,000 per year.  Also, check to see what Humana's company match plan is.  Most companies will match a portion of your contributions...free money!  And if you leave the company, you can roll over your balance into an IRA (without being taxed), and begin taking withdrawals at retirement age.  401(k)s are simply the best investment alternative...invest there before anything else.\n\nRoth contributions are made with after-tax dollars.
740965
Do I have to make a choice?  In a few other posts, I have pointed out the disadvantages of investing in mutual funds.  It is exceptionally rare that any mutual fund will outperform its benchmark over the longer term, especially after fees and taxes are factored in.  \nI'm going to assume that you're asking this question b/c you are only given Calamos funds as options in your 401K and that you have to pick one.  Without knowing your specific financial circumstances (which is critical to find the most appropriate fund) I will give you two Calamos recommendations.  I just checked out the prospectus online and it looks like the Global Growth and Income, and to a lesser extent, the Growth and Income fund, are pretty decent.  Both have consistently beat their benchmarks and the fees are amongst the lowest of all Calamos funds (although I'm still shocked at how high the Calamos fees are overall).  These funds should be good and would be most appropriate in a tax-deferred account like a Roth 401K where the taxation of the dividend income and capital appreciation will not eat away at returns.  Steer clear of the Growth fund.  These guys are making a huge bet in Tech and must not be historians of the market.  They should look at what happened to Janus funds in the late 90's and they might reconsider a 34% allocation to technology.\n\nThat's my $0.02.
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Look for a cerified financial planner.  Although you have to pay up-front a fee-only planner will give you the most unbiased advice.
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Google is quite the useful tool.\n\nType in 401k self-employed and the information is limitless.\n\nI am surprised that more people do not use this function to find info.\n\nCheck this link:  explains some of the benefits that Solo 401k plans offer\n\nhttps://www.bcmadvisors.com/retirement_plans/solo-401k.htm
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visit a financial adviser especially the trusted ones.
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I've been quite successful with the Franklin Templeton family of funds. There are lots of\ndifferent funds to choose based on your risk tolerance.
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Check out a Plan 529.  Most states have one and they are very user-friendly.
336824
try templeton or LIC MF\n\nvisit www.valueresearchonline.com
1135086
Try Bajaj Capital or Motilal Oswal..they do a good job
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It depends on the investments available in your 401(k). If it's not an investment you would otherwise consider, I would look for something else.
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Go to Vanguard.com, they have many good funds index and otherwise and you don't pay a fee to invest with them
311039
This is a vague question.  What do you mean when you say what is the best.  If you mean safest, most have insurance guarding you on your investments if the financial service and/or trust company were to go bankrupt.  If you mean, honest, depends on what you are looking for.  Are you interested in one of these places to manage your money?  Manage your trust account?  \n\nIf you can be more specific, I will help you. \n\nGood luck!
506621
A fee-only financial planner is probably your best bet.  Although you pay up-front you should get unbiased advice, because the planner will not earn commissions on what you buy.