I would put in a modest % now and increase it after the market readjusts itself when the interest rates rise.
Not enough information. If your employer matches your 401(k) contributions, you should increase your contributions to the point where you get the highest match.
There seems no connection between your 401(k) and the Fed's actions without knowing how your fund is invested. Also we know nothing about your alternative investment options.
If you can't make your own decision, talk to an investment adviser. You'll get no help here the way you ask your question.
Fed interests rates should have nothing to do with your 401(k) contribution decisions. YOU determine the investments within the 401(k) plan. Why would you think that Fed rates are relevant at all?
Invest in the company 401k at least up to the match
and beyond if its a good plan. When the Fed increases
interest rates, that will only increase the interest in your
bank savings account. If you can afford it, a good way to
invest is with a Roth IRA in a mutual fund.
-You should ALWAYS put enough in a 401(k) Plan to get any company match, because that's FREE extra money!
-Of what you defer, [120-your age]% should be in the most volatile option available (typically a Growth Stock fund)...the remainder should be in the lowest cost Bond Fund available...
You shouldn't pay ANY attention to what the Fed does (or does not) do...
Sqave more, regardless of the rate.
When the rate goes up,, it will go yup on ALL the money in the account, even the money you put in last year,
However, the last place you want your account is in Money Market!. If you have any control over where it is inbested, you should be in mutual funds or maybe some of it in precious metals, for when the stocks collapse again.
Better start savings at the earliest. Make a detailed Long Term Personal Financial Budget, which should include cost of Childrens education, their marriage, one apartment, one car, Amount required during retired life to maintain the same life style. While preparing the budget consider the inflation if any in your country
https://answers.yahoo.com/question/index...
2nd time that you asked this you asked this question. Whats your problem?
Should I increase my contributions to my 401(k) now or should I wait until the Fed increases rates next year?
