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After getting serious about my retirement investments I have decided to cut my 401K contributions to just enough to get full benefit of the company match. The difference is right to meet teh maximum for a Roth IRA, which tome would be wiser ionvesting thanputting it all in the 401K. My problem though is that I am unsure of the company I am working for at present. We have had, well, several layoffs over the past few years including one so far this year, and well, frankly I am just not sure that the company is going to be around a lot longer. So at present I am putting my "contributions" for my Roth into an ING account. I am a little luneasy however that if the company goes belly up I'll need the money to move with because I am at present living in a samll town in frankly the middle of nowhere (Nearest Walmart 40 miles, nearest airport 100 miles) So at the eand of the year if I take the money out of my ROTH ING account and start a ROTH, then get laid off or the company goes bankrupt can I take my contribution(s) out of the Roth and use it? I am worried about the company, but I would like to have it both ways. Who wouldn't. :-)
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