No. of Recommendations: 0
Thank you for your responses. Dh is in the IBEW and has an annuity fund through them. The reason why he is in such a conservative fund? He has no idea what to put it in and thus has done nothing. I cannot access it to change the allocations until he calls and gets pin. We did plan to attend a informational meeting a Mass Mutual rep. was going to give but it ended up getting cancelled for one reason or another. I know it is something I will have to light a fire under him to get to.

I just started the 401K and will come close to maxing it out this year. Next year I think the limit increases. Since I have consumer debt to pay off, I will most likely keep my contributions at the 10% pretax until the debts are paid. However, I will probably contribute to a 529 or Coverdell minimally as well. I am interested in the Private College 529s.

The fund my dad was suggesting sounds like a decent one though. It is one that automatically rebalances every 3 months in accordance to your risk level. He said he will send me the information.

The front load fund--davis- does sound a bit pricey when there are so many other funds out there without that.

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