The Perfect 401(K) Investment Plan: A Successful Strategy

By Lawrence A. Freitas

The destruction of wealth and loss of investment time in the last 10 years is primarily due to the conventional wisdom of Wall Street. This can be avoidedthe old way of doing things is flawed and can be changed to benefit the investor. This straightforward and uncomplicated book can guide you with your 401(k) investing. Join me in avoiding meltdowns and making event the downturns profitable.



The most sensible retirement book youll ever read

• Language: English
• Publisher: AuthorHouse
• Release date: Apr 7, 2011
• ISBN: 9781456751739

Lawrence A. Freitas

Lawrence Freitas is a retired stock broker. He has 35 years experience in the stock market, through varied situations from the assination of Kennedy to to the unusal market high of 27,000 in 1987. He is also a drummer in a New Horizons Big Band, which played at the Rochester, New York international Jazz Festival, as well as a drummer in a duo that plays concert music for seniors. Lawrence lives in Rochester, New York.

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© 2011 Lawrence A. Freitas. All rights reserved.

No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.

First published by AuthorHouse 5/3/2011

ISBN: 978-1-4567-5173-9 (e)

ISBN: 978-1-4567-5172-2 (sc)

Library of Congress Control Number: 2011903727

Printed in the United States of America

Any people depicted in stock imagery provided by Thinkstock are models,

and such images are being used for illustrative purposes only.

Certain stock imagery © Thinkstock.

Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

For all investors who simply want to improve their investment results, this book is for you!

Where to invest?

How much to invest?

When to invest?

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In memory of my parents

Isabel and Marcel

who measured wealth not by material things,

but by the

contentment of their lives.

To my grandchildren,

the future 401(k) investors

Abbey Baker

Bailey Baker

Brynn Becker

Dan Maring

Karley Freitas

Lauren Freitas

Leah Becker

McKenzie Maring

Ryan Maring

Tyler Baker

and Baby Becker

A note to the reader:

The information in this book is designed to help you think differently than conventional wisdom dictates.

The old way of investing just doesn’t work. Buying and holding your stock investments is antiquated. Just ask the former General Motors shareholders.

Disclaimer

This publication contains the opinion and ideas drawn from the experiences and knowledge of the author. The author is not granting professional services. If the investor needs specific concerns addressed, he or she should seek specialized consultation with a professional.

The author provides general information to guide the participant and does not guarantee the performance of the subject matter. It is advisable to consult a competent accountant or attorney if there are resulting questions after reading this book.

The participant should consult an investment advisor prior to making any investment decisions.

The author does not assume any responsibility for any actions taken by the participant as a result of reading this book.

Contents

Definitions

Introduction

Chapter 1 - Stocks

Chapter 2 - Your 401(k)

Chapter 3 - Compounding

Chapter 4 - IRAs

Chapter 5 - Mutual Funds

Chapter 6 - The Human Lifespan

Chapter 7 - The Strategy

Chapter 8 - The Three Questions

Chapter 9 - Attitude and perception

Chapter 10 - A History Lesson with Opportunities

Chapter 11 - In Summary

Chapter 12 -