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"The Piggy Bank for GrownUps" *This Home Page is provided as information
for the sole use of the participants of the
Sargent & Lundy Savings Investment Plan.
Core
Rates of Return 8/16/2010]
Fidelity Investments www.401k.com
Fidelity Phone Number: 1-800-835-5095
SIP Information
- RATES OF RETURN - ALL FUNDS [July 2010]
- Fund Descriptions - ALL FUNDS [August 2010]
- Roth 2010 IRA Conversions
- Breaking Down the Bulls & Bears
- The Trouble With Market Timing
- Don't Give Up On Diversification
- Diversification Works - Eventually
- 7 New Rules of Financial Security
- 401(k) Plans and Employer Stock
- Common Market Indexes
- Understanding Ticker Symbols
- Socially Conscious Funds
- Roth IRA Conversions: It's More Complicated Than You Think [1/19/10]
- Roth IRA Conversions
- Life Gets Cheaper in Retirement?
- Forging Ahead During Rocky Markets
- Are Your Kids On Track?
- Taking Social Security: Early vs Late
- 401(k) vs Roth 401(k)
- Mending Your 401(k)
- Protecting Your Assets
- Retirement Myths
- Best Advice of All Time
- Financial Records: Getting Organized
- 3 Rules of Financial Harmony
- Advice You Shouldn't Take
- Triple Challenge: Retirement, College & Parents
- Big Gains Are Tempting, But......
- Another Reason to Consider Roth 401(k)
Payroll:
Deadlines for Payroll Changes [8/30/2010]
Fund Information:
Recent Articles:
Announcements:
- 2009 SIP Tax Forms Available Online [1/20/10]
- Contribution Limits for 2010
- Automatic Loan/Withdrawal Deposit
- Minimum Browser Requirements
- Brokerage Account Information
- BrokerageLink Commission Schedule
- BrokerageLink Handbook and Fact Sheet
- Roth 401(k) Withdrawals
- 401(k) vs Roth 401(k) vs SIP After-tax
- Loan Payment by Check
- 401(k) Warning Signs
- Paying the Penalty
- 401(k) Plans: 7 Costly Mistakes
- What Is 401(k)?
- The Safety of 401(k) plans
- Leaving Your Job?
- Timely Distributions?
- Divorce and Your 401(k)
- Loan Guidelines: Full-Time Employees
- Loan Guidelines: Non-Full-Time Employees
- Avoid These Mistakes
BrokerageLink Accounts:
Other:
Financial Planning
- New Twists on Annuities
- Financial To-Do List
- Women and Retirement
- Retirement Savings vs Tuition Bills
- Retirement Demons
- Stretching The Nest Egg
- The Generosity of Gifts
- Golden Years Carry a Hefty Price Tag
- Making Up For Lost Time
- Preparing For a Financial Planner
- The New Face of Retirement
- Planning Your Retirement Income
- Divorce: Charting Your Expenses
- Re-evaluating Your Retirement Investments
- The Education of a Financial Columnist
- Ready To Retire? Know Your Plan's Rules
- Time To Question Your 401(k) Assumptions?
- Where Will The Money Come From
- Your Goals vs Your Spending Habits
- Making Your Money Last
- A Road Map to a Winning Portfolio
- Whose Nest Egg Is It Anyway
- Pinching Those Pennies
- Mending Your Spending
- A Disciplined Approach to Saving
- Saving Taxes With Charitable Donations
- Barriers Facing Women in Retirement
- Retirement Roulette
- A Mid-Life Crisis
- Advice From Fellow Savers
- Losing Track of the Big Picture
- Personal Financial Planning
- Keeping Finances Simple
- Keeping Your Finances Private
- The Golden Rules
- Charting Your Spending Habits
- Help For Late Savers
- The Final Payment: Are You Prepared?
- Your Parents' Finances
- Financial Planners
- Retiree Abuse by Financial Planners
Investing/Investments
- Salvaging A Shrinking Nest Egg
- Revisiting Some 401(k) Basics
- 5 Rock-Bottom Investment Truths
- Living With A Bear
- Market Currents
- Good Investing Takes Discipline & Time
- Market Predictions?
- Lessons Learned in 2000
- Lost Money or Lost Time?
- Sticking to Your Long-Term Strategy
- Bulls & Bears, Elephants & Donkeys
- Baby Boomer Stock Selling
- Stock Investing With Emotion
- The Only 6 Things You Need To Know
- Is Everyone Getting Rich But Me?
- Go Forth and Prosper
- Reassessing Your Portfolio
- Deflating Your Boastful Relatives
- Compound Interest: A Wondrous Thing
- Investors' Biggest Mistakes
- Investment Tips From Financial Planners
- Is 20 Too Soon?
- Six Market Myths to Ignore
- A Mix For All Seasons
- Investing Ideas That Stand The Test of Time
- Everyday Tips
- Self-Confidence Can Sometimes Come Back to Haunt You
- What You Think You Know Could Hurt You
- Peter Lynch: Helping You Become a Better Investor
- Peter's Principles
- Don't Retire From The Market
- Rethinking Your Risk Tolerance
- Market Timers
- Roadkill on the Retirement Highway
- Why Go Global?
- The Risk of Momentum Funds
- Rule of 72
- The ABCs of Building a Portfolio
- Mutual Funds: What Makes a Winner?
- Even Shrewd Investors Make These Mistakes
- 10 Commandments of Investing
- Diversifying to the Point of No Return
- Global Investing
- Your Investment Policy
- Saving or Investing?
- Hesitant Investors
- Growing Your Nest Egg
- A Balancing Act
- Staying Put
- Staying the Course
- Reading the Stock Table
- Mutual Funds Q & A
- High on Bonds
- Security of Mutual Funds
- Increased Bond Mutual Fund Risks
- Are Index Funds Boring?
- Why Fund Fees Matter
- Over-diversification
- Mutual Fund Distributions
- Picking a Broker
- Investment Fraud
Estate Planning
- State Laws and Estate Planning
- Big, Bad Executor's Trap
- Estate Planning: Wills
- Estate Planning: Who Gets What
- Estate Planning: Building Your Team
- Estate Planning: Taxes
Wills/Beneficiaries
- IRAs: Picking the Right Beneficiary
- Wills: What To Do?
- Reviewing Your Will
- Your Will - No Excuses
- Choosing Beneficiaries
- Wills - Talking to Your Kids
- Death and Non-Citizen Spouses
- Being The Survivor
Mailbox
Resources
These links are provided for information only and any products
or services offered are not recommended or endorsed by the SIP Committee.
The Stock Market Game
Children can play the market with this electronic simulation
of Wall Street trading. Introduces them to the basics of economics and
finance.
Investment Guide
Using the most popular investing tools on the "net",
the guide offers the ability to quickly compare the features of different
sites without the inconvenience of having to explore each site. Also, the
site spotlights different investing tools each week and reviews different
financial websites.
Community Financial Planning Services
This website provides financial various calculations
for asset allocation, college costs, 401(k)s, and estate taxes.
Profit Sharing Council / 401(k) Council
of America
Offers savings hints and answers common questions about
profit sharing and 401(k) plans.
Quicken
Offers an array of financial information, including current
market news and a large collection of articles.
SIP Library
- SIP Investment Policy [04/2010]
- Fidelity's Excessive Trading Policy
- SIP Policy on Market Timers [2/2/04]
- Summary Plan Description [12/2008]
- SIP Plan Document [1/2009]
- Glossary of Terms
- SIP Newsletters
- Fall '96
- Summer '96
- Spring '97
- Fall '97
- Winter '97
- Spring '98
- Summer '98
- Fall '98
- Winter'98
- Spring'99
- Summer/Fall '99
- Winter '99
- Spring '00
- Summer '00
- Fall '00
- Winter '01
- Spring '01
- SIP Extra: Fidelity Select Funds
- Summer '01
- Fall '01
- SIP Extra: Employer Match
- Winter/Spring '02
- Summer '02
- Fall '02
- Winter '03
- Spring/Summer '03
- Fall '03
- Winter '04
- Spring '04
- Summer/Fall '04
- Fall '04
- Winter '05
- Spring '05
- Summer '05
- Fall '05
- Winter '06
- SIP Extra: Roth 401(k)
- Spring '06
- Summer '06
- Fall '06
- Winter '07
- Spring '07
- Summer '07
- Fall '07
- Winter '08
- Spring '08
- Summer '08
- Fall '08
- Winter '09
- Spring '09
- Summer '09
- Fall '09
- Winter '10
- Spring '10
- Summer '10
Kids Corner
- Teaching Kids About Credit Cards
- Introducing Your Kids to Investing
- Teaching the Financial Facts of Life
- A Savings Plan For Kids
- Tours Are Us
- Roth IRAs and Kids
- Raising Budget-Savvy Kids
- Money in the Second Grade
- Kids' Roth IRAs & College Aid
- How Children Learn Financial Sense
- Helping Your Child Understand Money
- Roth IRAs for Kids?
- Teaching Your Children About Money
- Money Made Easy for Kids: Part 1
- Money Made Easy for Kids: Part 2
- Your Child's Education
- Your Kids and Credit
- Teaching Kids the Value of Money
- Kids and Their Cash
Your Family
- College Planning: Section 529 Plans
- Tax Breaks for Helping Out Your Parents
- College Ahead
- A Unique Approach to College Savings
- Coping With a "Boomeranger"
- Myths & Truths About College Funding
- Thinking Ahead
- Special Needs Children & Estate Planning
- Tying the Financial Knot
- Taking Over an Aging Parent's Finances
- Leaving Assets to Your Children
- Spring Cleaning
- Sacrificing Your Future For Your Kids
- Decisions, Decisions
- Family Checklist
- Your Family's Future
- Saving for College: Dos and Don'ts
- Tomorrow's College Costs
- Saving For College
Retirement Planning
- Retirement: Not What It Used To Be
- Retirement: A Rude Awakening?
- Cash Flow During Retirement
- Potential Problems When Planning For Retirement
- Your Retirement Questions #1- #4
- Your Retirement Questions #5 - #7
- Your Retirement Questions #8 - #10
- Your Retirement Questions #11 - #13
- Musings on Retirement Years to Come
- Ready to Retire?
- When It Pays To Work Past Age 65
- Retirement: You're Home Free - Almost
- Reaching Your Retirement Goal
- Inflation and Your Retirement Budget
- Maintaining Your Lifestyle
- Are You Fit For Retirement?
- Inflation and Your Retirement Funds
- Retirement Realities
- Retirement Myths
- Retiring Early: A Reality Check
- Can You Retire Early?
- Retirement Savings Tips
- Retirement Planning: 5 Crucial Steps
- 10 Myths About Investing For Retirement
- Retiring to a Second Career
IRA Information
- IRA Withdrawal Pains
- 20 Crucial IRA Tips
- Are Roth IRAs Too Good To Be True?
- Pitfalls Lurking in Roth IRA Conversions
- Inheriting IRAs
- The Backdoor to a Roth IRA
- IRAs: Children as Beneficiaries
- Q&A: IRA Withdrawals at Retirement
- Roth IRA Myths
- Roth IRA Hassles
- Technical Corrections for IRAs
- Evaluating the Education IRA
- No Creditor Protection for Roth IRA
- Consolidating IRAs
- Which IRA For College?
- IRA Withdrawals
- Inheriting an IRA
- Putting a Chill on Tax Breaks
- 401(k) vs IRAs
- IRAs: Questions & Answers
- IRAs: What To Do?
- IRA Gift to Investors
Social Security
- Keeping the Security in Social Security
- Social Security: Will It Be There For You?
- Social Security Facts
- Future of Social Security
- Social Security: 62 or 65?
Miscellaneous
- 5 Money Mistakes Women Should Avoid
- Many in U.S. Not Prepared for Retirement
- Cashing in Those Savings Bonds
- Excuses, Excuses
- Reality Bites
- Bulls and Bears
- Don't Quit Yet!
- The Hidden Poor
- The Gender Gap
- Rolling Over Company Stock
Mutual Funds
The following Web sites have been suggested by Mutual
Funds magazine: