Alternatives to 401k – Not What You May Think

401k-AlternativesEver since I was a kid, I was told that I need to prepare for the future and start a 401k. Problem was, I didn’t know any alternatives to 401k.



So, if you have any vision for the future for yourself, you do some sort of planning for a rainy day or the hopeful day that you may be able to retire. I took the advice and opened a 401k. I contributed anywhere from $100 to $200 every month for years.

I watched it grow into a decent 5 figure little egg but the time I was in my twenties. That was pretty cool because I didn’t have quick access to it so, I left it alone. It was cool to bring that into my family and my marriage.

All was going great till the fall of the market. I watched it continue to fall into it was down in the four figures. OUCH! Yea, I know…it’s long term blah blah. Well the market is back where it was when the crash occurred and my 401k is still nowhere near what it was.

Alternatives to 401

I do like precious metals such as gold and silver. There are some that say if you don’t have gold, silver or both in your portfolio, you are doing yourself an injustice. Historically, they are both a good hedge against a falling dollar. There are a couple of issues that I see here. One being that most can’t afford to purchase any amount of gold or silver to make any sort of difference. The other is you are relying on the dollar to fall in order to make any real sort of return on investment.  You really have no more control over this than your IRA. This is just my opinion.

Alternatives to 401k

A Certificate of Deposit or CD, is a very safe bet. At the time of me writing this article, the best rate I could find for a CD was for 5 years at 1.5%. Meaning, if you put in $10,000 your return would be a whopping $772.84 over 5 years. To me, not a good return while you $10,000 is being tied up. I’m not even going to get into your home or any sort of real estate. Getting into real investment requires a certain amount of capital and an education.

Alternatives to 401

Here’s something radical for you…Your own business. I’m not talking about a conventional business. I am talking about a home based business. Before you moan and groan about it, let me explain myself. First the bad news. You actually have to work it by telling people about your opportunity. LOL, that’s the bad news.

The benefits of owning your own home based business.
There are incredible tax savings. We have received thousands each year back on our taxes since we have been working from home.

You get to hang out with some really awesome people. They are the most uplifting, positive people that I have ever had a change to be around.

You have control of your destiny here on Earth. You work it, you get results. You don’t work it, you don’t get results.

cost to start your own business is typically under $500. Pretty much Zero Risk.

Your income is unlimited. As long as you continue to show people and never quit, you’ll have success.

You DO NOT need a formal education, just drive to make a better life.

In summary, you spend a Fraction to any of the other options mentioned above, your return on investment is up to you with unlimited returns and your return is up to your efforts. Something I haven’t mentioned…you will end up with some really cool stuff (in my case, I am forced to go on Vacation). I put together some information, if you click here that can help you chose the best home business for you.


Let me be clear about something. The “Traditional” options are not bad. I am just saying that you are at the mercy of everyone else but you.


Good luck, I hope you received some value from this.

“To your legacy”


Steve Krivda

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