401k

• emeklilik hayallerini buna baglayip yillar yili yatirim yapan ve su siralar emekli olmak isteyenleri inim inim inleten, kufur dagarciklarini costuran bir yatirim. sizin yatirdiginiz parayla 401k'inizi yoneten sirket (or: fidelity) yatirim yapiyor. o yatirimlarin ne olacagi konusunda biraz soz sahibisiniz, %50 yabanci hisse, %30 yerli (abd) hisse, %20 gov't bond olsun falan diyebiliyorsunuz bazi sirketlerde. hukumet bonolari falan garantili olsa da cok dusuk getirisi oldugu icin mutlaka hisse olur bu planlarda. iste o hisseler de su siralar kafa goz yararak dustugu icun yillardir biriktirdigi, hesaba aktardigi parasindan daha az alacak simdi emekli olanlar. bu konuyla ilgili bir fikramsi geldi gecen gun, buyrun sozlukte fwd espri girecek kadar dusmenin zevkine ben de varayim:
  
  (not: now'dan kastedilen ne zaman tam emin degilim)
  investment advice:
  
  if you had purchased $1000.00 of nortel stock one year ago, it would now be worth $49.00.
  
  with enron, you would have $16.50 left of the original $1000.
  
  with worldcom, you would have less than $5.00 left.
  
  if you had purchased $1000.00 of delta air lines stock you would have $49.00 left.
  
  if you had purchased united airlines, you would have nothing left.
  
  but, if you had purchased $1000.00 worth of beer one year ago, drank all the beer, then turned in the cans for the aluminum recycling
  refund you would have $214.00.
  
  based on the above analysis, the best current investment advice is to drink heavily and recycle.
  
  this is called the 401-keg plan.