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401k Investments: Learn How You Can Retire In Comfort

By Chloe Gib

401k investments are retirement accounts that an employee sponsors. You need to manage your account in the proper manner as then you can grow your account and also earn enough money to spend during retirement. You must however invest money according to your tolerance for risk.

There are several investment options available including high growth stocks and safe but low return bonds. Some people think it prudent to invest in both options. It is up to you to decide just how much diversification is suitable. Diversification allows you to distribute your risk along different stocks and bonds.

However, it never pays to put all your money into one basket. If you do so, then the risk involved is much higher. In case things go wrong, you may end up losing every cent of your hard earned money. Investment advisors near Boston can help you learn more about mutual funds.

Money market funds are safe and therefore make for good 401k investments. If you are not keen on investing in stocks, then this is the right option for you. The best part is that they are safe and stable. Since you are spending your cash by putting it in government securities and in Certificates of Deposit and in low risk securities, the risk involved is much lower.

The downside to venturing into money market funds is that inflation can hurt you. If the inflation rate is high, then your earnings will be eroded. Even so, you should consider this a good bet because you need not put every cent into it.

Bonds, on the other hand, are a better option. The returns are safe and bonds also offer stable returns. They are offered to the public by corporations and by government. The interest however is only paid on maturity.

Before venturing out in bonds, be sure to check everything out. This is because long term bonds are associated with higher risks. At the same time, low risk bonds do not allow you to earn a high interest rate. So, it is again up to you to decide which one is the better option.

You can maximize returns on your 401k investments by balancing high and low risk options. Sometimes, it makes sense to deposit your money in both stocks and bonds. Stocks however are riskier but they also give you better returns.

Depositing your money in stocks in both international and domestic markets makes good sense. This is because such diversification helps to protect you against fluctuations in either market. Be cautious about investing in high fee investments because the high fees that you have to pay will erode your earnings.

To sum up, you should diversify your portfolio as much as possible. This is how you can make the best 401k investments. Balancing high and low risk is best for you. A good balance will provide enough income to help you live your retirement years in comfort.

Crystal Research LLC specializes in Investment Advisors near Boston. Visit them online for details! (

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Article Citation
MLA Style Citation:
Gib, Chloe "401k Investments: Learn How You Can Retire In Comfort." 401k Investments: Learn How You Can Retire In Comfort. 5 Oct. 2012. 29 Jul 2014 <>.

APA Style Citation:
Gib, C (2012, October 5). 401k Investments: Learn How You Can Retire In Comfort. Retrieved July 29, 2014, from

Chicago Style Citation:
Gib, Chloe "401k Investments: Learn How You Can Retire In Comfort"

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