The point about company stock is important. I read part of a book by William Sharpe (Nobel prize winner from Stanford) about 8 years ago in which he, in his unique writing style, effectively says it is a bad idea to buy stock in a company you work for.  Louis Hart

-----Original Message-----
From: TechNet [mailto:[log in to unmask]] On Behalf Of Stadem, Richard D.
Sent: Wednesday, July 01, 2015 2:12 PM
To: [log in to unmask]
Subject: Re: [TN] [NTC] Explaining Benefits

I absolutely agree. The only other thing I would add to this is diversify, diversify, diversify. Don't put all of your funds in a single 401K, and within that 100% into your company's stock!

-----Original Message-----
From: TechNet [mailto:[log in to unmask]] On Behalf Of Lamar Young
Sent: Wednesday, July 01, 2015 1:07 PM
To: [log in to unmask]
Subject: Re: [TN] [NTC] Explaining Benefits

Doug,

I think the best way is to visualize the value of compounding.  I've seen a lot of graphs over the years, and found this one in a Forbes article. 
Basically if one saves for the first 20 years of employment, you could almost stop if you wanted to without dramatically impacting your portfolio.  The challenge is for young people to not run out and buy new cars, houses, etc. right out of college and get locked in to spending all their income. 
There was a good commercial by some investment firm a couple years ago - it looked like a commercial for a luxury sports car but instead told how much the money spent on the car would be worth at retirement.  It is all about opportunity cost.


______________________________________________________________________
This email has been scanned by the Symantec Email Security.cloud service.
For more information please contact helpdesk at x2960 or [log in to unmask] 
______________________________________________________________________