60-40 Portfolio Won't Prepare Investors for Retirement

[mathjak107]

here are some of the negatives to in service distributions



https://www.financialfinesse.com/2018/0 ... your-401k/

[vnatale]

here are some of the negatives to in service distributions



https://www.financialfinesse.com/2018/0 ... your-401k/

Yes. I don't think you'd ever WANT to do it prior to 59 1/2. But afterwards, what could be the downside? Once you get it into your own IRA you can invest it any way that you want as opposed to being restricted to whatever your employer's plan allows.

I do note the four reasons the article lists but for most on this list I'd assume that the ability to have full control over your investment choices would far outweigh the possibilities of reaping any benefit from those four. But this is good information in case any of those four reason COULD possibly apply to someone or something valued. In my case, I'd make the in-service withdrawal.



Vinny

[mathjak107]

i am in the process of moving mine ...i had a one day a week job and threw my pay in the 401k and got matching . but that job ended with covid ...so friday i requested transfer papers

[turbo8214]

Sadly no. I keep asking if in-service rollovers are allowed just in case the answer changes...it would certainly be helpful to roll it into my solo 401K which would allow me to continue making back-door Roth contributions.

I have the same issue.
It will have to wait until the job ends. IRA is in a PP tho.

[turbo8214]

I hold a few shares of a low cost 60/40 balanced fund just for fun. I think with international diversification they should do fine. High valuations in U.S. stocks and bonds can be at least partially ameliorated with international allocations.

That sound similar to a Bogleheads 3-tiered portfolio.