Veronica G Aguilar

Steve, You have to think also how much risk are you willing to take. I usually use portfolio strategies to achieve best returns while reducing the risk involved in investments. Is your time horizon 5 years? or more? There are many other variables that need to be considered when investing in retirement plans. It is not one size fits all, actually retirement plans have to be fitted specifically for your overall retirement goals, risk tolerance, time horizon, your experience in investments, etc. etc. etc. One of the best investments you can make is hire a Financial Advisor to help you reach your financial goals.

Hello John, The contributions to Sep IRA's or Only K IRA's should come from earned income or profit sharing. Therefore, you can't just create an LLC to increase your contribution into a Retirement Plan. However, I would need to know more about your specific situation to be able to better advice you on other options you may have. For now you can roll over your 401k's into an IRA. You may be able to choose and trade actively from your IRA account as well. However, be careful if you have losses on IRA accounts. Please consult with a CPA and a Financial Advisor for more information that may apply to your specific situation.

Hello Catherine, Another thing you need to consider when investing is the fees involved. Make sure you understand clearly how you will be charged. Annuities and mutual funds usually carry management fees, and many other fees that can eat away the returns on your investments. CD's on the other hand may be cost effective but the grow is very slow since interest rates are so low now. A well diversified portfolio will be the best option depending on your time horizon and risk tolerance you have. learn about the different asset classes there are available. Invest your time learning about the different options available and finding the right advisor for you, that is another way of securing the right returns and reducing your risk of investment. Good Luck!