As you already left the job, you can now rollover the money to an IRA. This will give you the option to choose a plan provider that offers the type of investment choices that you want. You may also want to look into the costs and fees associated with the account, sometimes cutting costs is also a good way to increase your net earning. Talk to a financial advisor who can help you decide on the right allocations.
Well, depending on what you're invested in, a four percent gain when inflation is a half percent isn't awful. The stock market gains about 6.5 percent over inflation, with a lot of fluctuation. If you want to boast your income. There are some potential opportunities for decent income 5-6 percent in the medium-grade preferred stock market. they are not risk-free so you need to choose carefully. Find an advisor that understands that end of the market. For more insight read this article: http://seekingalpha.com/article/1691112-income-strategies-for-raising-rate-markets
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