ING Direct Retirement Planning? I've had a savings account with ING Direct for almost a year now and have always been very pleased with them. I just recently started looking into retirement planning and discovered that they also offer Roth IRAs with very low startup requirements. Has anyone heard anything about this service, good or bad? Does anyone use them for retirement planning? I hear it's not always the best idea to do retirement planning through a bank because it's not their real speciality.

How do I move my 2 annuities with ING into another Retirement Account like an IRA? I am 55, and have 2 variable annuity accounts, one a 403 B from my last job, another, a regular annuity, and a roll over IRA that is a variable annuity. The funds have not grown as much as I would like and are my only source of retirement. I would like to shelter and see some growth. HOW do I do this with the least amount of loss.

Opinion about ING New Best Years- Retirement planning?

What is the best source for starting a retirement account? Im in my early twenties and I just started working after finishing school, but I do want to start a retirement account. What source or foundation should I use for a retirement account? Im pretty dumb in this area. Is a savings account through a company like ING Direct bad for a retirement account?

Is ING Direct a good company to invest with? I am thinking about opening up both a savings and investment account with ING Direct. Although I already have a retirement account with Fidelity, I am curious if ING has better products/services than Fidelity. Advice anyone? Thanks!

Purchased a ING Investor Elite VUL 9 months ago, no I am having 2nd thoughts. How can I exit out? We are 36 yrs old and trying to save as much as possible for retirement. Both of us max out our 401k and have a decent amount of cash saved up. We purchased this ING VUL as an insurance / retirement tool, however, after doing more research (I know after the fact) I am wondering if I made the right choice. Or how I can cut my loss and get out? Any feedback would be helpful Hi. Thanks for the response. The second thought of the VUL purchase, is everything that I have been reading about VUL's is not very positive. To sum up it seems the thing to do is buy term insurance and invest in mutual fund or etc. About exiting the VUL I understand that if I stop paying the plan would lapse. However is there any other way to salvage the money paid in? We pay a total of $921/mo for 600k face amount. Can these funds be transfered to another product? thx

Which investment provider is best for my 401K, Tiaa-Cref, ING or AIG? I'm offered an optional retirement plan from ING, Tiaa-Cref, and AIG. I'm confused as to which one is best in terms of performance and return, taking into account of fees and other charges, etc.

I receive a monthly pension of $25.00 is there a way I can invest this into a retirement account? I do not use the money i put it away in my ING but I want to avoid the 1099's by having it go to a retirement account.

What is ING? I purchased an anuity from them through my job... what is it? I do not understand a lot about investments, retirement, etc. as I am fairly new in the workfoce (just over 2 years now as a teacher). A representative from ING came to our school to speak with teachers about getting an annuity. He discussed it with me, but I still don't know exactly what I got myself into. It sounded like a savings plan of sorts, but I wanted a simple definition of what I signed up for. Should I stay with it? Advice please!

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Question about an RRSP (retirement savings fund) transfer? I'm 24 years old, and I don't have a retirement savings fund yet. I have a summer job that will match 100% every $100 contribution I make from each pay period to a Standard Life retirement fund. I will be going back to school in the fall, and probably not earning enough to put away for retirement. To avoid management fees eating away at my fund in the fall, I was thinking of transferring it to an ING Retirement Savings Account. I know I will have to pay money for the transfer. The amount saved will approximate $1000. Will I have to pay tax since I'm transferring from one RSP to another? Is there transfer worth it? Or should I keep it in Standard Life? Or should I wait until I finish school (4 years) to open a retirement savings fund?

Trying to understand how a "margin change" can reduce my holdings. Any help? My 401K is invested in institutional funds, which ING Retirement sells to me, through 401K deductions, at market rates they determine (I cannot view these NAVs independantly). But under the flag of a term called "margin change" they have revalued my units (shares) higher and reduced the number that I own. Somehow that seems wrong. Can someone explain what has happened?

Roth IRA with ING DIRECT Bank is it good? i want to open roth IRA investment account with ing direct for retirement. will you recommend ing direct for this. if not which website i can go to have roth IRA with option to buy mutual funds

What is the cutoff date for people to send out tax info? I had a retirement 401k through Reliastar/ING. I have emailed our plan administrator to ask about tax info, but got no response. What is the last date that businesses have to send you the necessary info in order to file your taxes?

Advice on retirement savings? I am in my mid 20s and getting things sorted with regard to retirement savings, but would like to know a few more things before I embark on any other schemes: * Is it worth starting a pension now? * Will there be pensions in 40-odd years time? * If pensions are worthwhile, which private schemes are a good idea? * Which high-interest savings accounts are a good idea (I already have an ING Direct account)? Thank you for your advice.....

Advice on retirement savings? I am in my mid 20s and getting things sorted with regard to retirement savings, but would like to know a few more things before I embark on any other schemes: * Is it worth starting a pension now? * Will there be pensions in 40-odd years time? * If pensions are worthwhile, which private schemes are a good idea? * Which high-interest savings accounts are a good idea (I already have an ING Direct account)? Thank you for your advice.....

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Question about ING account? My husband gets these statements from ING. He started getting them when he changed employers. He has no clue what it is....retirement, savings, etc. He has an extremely large balance and has not been contributing any of his own money. On the statement there is a line that says "withdrawls $0.00". Is it possible to borrow against this money? I tried looking on the ING website for more clarification, but didn't really find anything. Can someone help me better understand what the deal is with this ING thing?

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Would UVA consider me? I've wanted to got to UVA ever since my freshmen year, but I'm not sure they'll want me because of my GPA. I took AP World Civ, AP English Lang/Comp, AP Biology, and AP English Lit/Comp. I passed Chinese SAT 2 in freshmen year so I didn't take anymore foreign language courses. My SAT score was a 2290 and my ACT was 30. I'm in the four core class honor societies, science olympiad, key club and I've volunteered for three years at a retirement home. I also play piano and clarinet (piano for ten years and clarinet for seven years). I placed fourth at states for science olympiad if that means anything. I got the Silver award for the Scholastic writing competition. My GPA is a f-ing 3.75!!!! It pisses me off, because I've worked my butt off for grades and I get all A's for most of the quarter and yet I'm always ending with a B+ in some class or another! UVA is an amazing school and I want to go so badly, but I'm not sure I can make it with my crappy GPA. I heard the lowest GPA is a 3.95. Can someone please tell me if UVA will even look at me? I don't even need to know if I can get in. I would just like to know if I at least reached their standards.

ING Direct ROTH IRA? Good or bad? Looking to add another retirement vehicle to the one I have at work. Is ING Direct's Roth reputable?

Please I need your help with persuading my Landlord!!!!? OK so basically I am a tenant in a brand new property which my landlord bought to sell on but with this credit crunch god knows when its gonna be able to make her a profit.... I moved in with the intention of living there for a while which she was happy about aswell, I dont remember anything being in my tenancy agreement saying DEFINATELY NO PETS!!!! otherwise I probably wouldnt of moved in, also considering she is completely fine with me & partner smoking in property i didnt think she would mind if i did get a pet. So the other week i really got excited about starting to think i wanted to take my relationship to another level considering if we were a str8 couple we'd probably be on our second kid by now living off the tax payer ha ha and get a dog. I thought id just text her & ask what her opinion was if i were to get a dog, saying i definately wouldnt let any damage or smells or anything happen to her house as i know its her retirement etc and i dont want her to lose any money considering she's letting us live there in the 1st place. I didnt get a reply off her at all so my partner rang her a couple of days later and she said she'd prefer us not to get one as it stinks the house out from her experience ( & what smoking in a house dosent????), so i let it go thinking yeah a dog probably would smell a little bit cos its in the house all the time. But she said ask her again in 18 months and she would probably have changed her mind. So i've now decided to get two cats, the reason being they dont need to be left in the house all the time, theyll keep each other company when im out and they dont need so much attention to look after etc considering there so clean themselves. So after bla bla bla'ing my way through this question, how would i be able to persuade my landlord to let me get 2 kittens as pets???? i know they wont stink the house etc but dont know how to get my point across to her without making her angry. Please try n give me some advice cos im not just gonna sneak them in without telling her cos ill end up in loads of shit. 10 Points to best answer!!! Thanks

investing on behalf of someone else? My parents are both nearing 50 and I've decided that in 10 years, I am going to give them a monetary gift towards their retirement. What's the best way to go about doing so? I've thought about opening an ING savings account but that's less risk less reward and unless I opened the account in their name, I'd be paying taxes on the interest. I don't have the entire amount right now so that crosses of a long-term CD. What about an Roth IRA? If it's in my name I'm paying the taxes/penalties on any withdrawals so that would be kinda limit access to the money in 10 yrs. If I open a Roth IRA in their name, make my own contributions to it, will they be able to make penalty-free withdrawals at 59 1/2 then? Thanks in advance...

A 73 yr old employee is becoming senile and useless. How can we convince the boss he needs to retire the guy? This guy loses money and paperwork, puts them in wrong places or even in the trash. He once told me he likes to take "as long as possible" to do the job--and takes twice as long as anyone else to do anything. He wrote a note to the Employee Dining Room Mgr complaining that there was no "F-ing bread"! He couldn't get the tills out/tills in to match, and went to the restaurant and accused the cashiers of hiding one of the tills and yelled at them that they were liars--in front of customers! Everyone in our dept has to give him directions all day long. We are disgusted that he is getting paid to do almost nothing. I am the unofficial spokesperson for the rest of my co-workers, and I have explained to the boss many times how much we want him gone, but he's still there. He doesn't need the money, he owns apt buildings and probably gets Social Security and/or military retirement, so why do the rest of us have to do most of the work while he skates along and gets paid for it?

Whats the best way I can invest $35,000? I'm 22, married my wife is 18. We have 13,000 saved in an ING Direct savings. Own a house and currently owe 89,000, purchased for 93,000. We do have an excellent retirement plan. I'm interested in real estate and stocks but want to know what you think my best options would be. I'm pretty aggresive and looking for large returns. Thanks for the input! Note: I have 35,000 on top of the already listed. Note: I have 35,000 on top of the already listed.

Are there fees associated with opening an IRA? I want to roll over my retirement plan from a previous employer to an IRA. Are there fees or a commision charged by most plans when you start up or annual charges? Would they wave the fees if you aready bank with them? I live in the Nebraska and we have Wells-Fargo, Edward Jones, Bank of the West, and First National nearby. I was also looking at the IRA's that ING offers online. Anyone have experience with any of these?

Want to become a Financial Advisor? 100k+ opportunity? Location: bay area, CA The company is one of the fortune 100 companies in the world. They are seeking to hire financial advisors to service clients in the banking, investment, and insurance industry. The reason that they are looking for a financial advisors is because there is great need in the east bay area. They are looking to open a new office in Piedmont. As a financial advisor, You will be able to work in 3 sectors. Real estate, Insurance, and Investments. You will be working with about 2000 provider companies like ING, Fidelity, and Prudential. Your core business as a financial advisor is help people plan for their retirement, plan for their kids' education, investments, and insurance. Requirement: 1. Self-motivated 2. Willing to learn 3. Want to retire in 10 years or less. Are you interested in hearing more about this opportunity? Please shoot me an email with your resume. We'll talk!

need help with picking a mutual fund...? i belong to sharebuilder or ing direct now and im trying to decide on a mutual fund. im 33 with no retirement so i think im looking for something with a quick return but that comes with higher risk. i have very little up front money to start with right now so a no load fee as well. should i be looking long term at 33 or getting into a higher risk one now and maybe selling in a few years? im new to investing but thanks to a lot of you and your answers on here ive been makeing some progress..thanks in adance. no..i dont have an ira..the company ive been at for the past few years is talking about getting one but i have nothing as of now.

Retirement/investing/saving? I am 25 with Roth IRA of only $750ish currently. I only add like $50/month to it. It's through my bank, USAA, called cornerstone strategy fund(moderate risk). I don't know much about investing, but should I actually be putting more money into it(since poor market)? I also have a mutual fund for emergency savings purposes with like $3K(low risk). I add $100/month to it. I also add $150/month into ING savings account with 2.5% rate return(only $500 in it now). How does my savings and retirement plan need improvement? The only debt I have is $15K on my Civic. The rest are regular bills like rent, cell phone, etc.

Retirement Plan Help!? i am 21yo working & i am in the tax bracket of 36% - I KNOW, its ALOT of taxes!!! - anyways, my company only offers 403B plans, so i was thinking of joining either a Roth IRA or Regular IRA though one of the companies associated w/ my job (such a ING, Fiedlity etc)?? how would i know what tax bracket i would be in when i retire (around 50ish)?? should i put money into the retirement plant before taxes come out of my paycheck or after taxes are taken out of my current paycheck?? HELPP!!

How do I allocate our money within a 403b savings plan? My husband and I just enrolled in his company's retirement account and by default they had 100% of future money in ING bonds (whatever ING stands for). We changed this and allocated our funds as follows: 20 bonds 70 Domestic Stock 10 International Stock Now with that being stated we don't know much about stocks so we decided to divide all of the stocks to where there is 5% in 16 different options totaling 80% with the remaining 20% divided in 4 different categories same way as we did the stocks. We did this because we don't have any clue on the companies and figured if one did bad there would only be 5% so we would be ok. Also we are contributing 15% of his income. Please shed some light as to whether this was a good or bad thing that we did?

401K advice??? My company offers a 401k plan through ING.I'm a 35 yeal old male with no kids.No savings or investments for future retirement either.I have until the 30th for this cycle to decide percentages and types of investments to get involved in.I earn $800-1000 per week pretax.Any advice to get me going in the right direction???

My "wife" does the books. What documents should I make sure I have copies of? OK...marriage is like a thempark ride, so I usually throw my hands up and screem like a school girl, but now we are riding the "terror of doom", and I wish to get my pre-court books in order. She does all the financial stuff. All the banking, savings, insurance, retirement plan, etc. I want to know what things I should be looking for and not get left out on any of it. I am not sure if its anything, but I "accidentally" seen a transfer of money from the checking account into an ING Direct account (that I didnt know "we" had). Any advice and links would be appreciated. I have access to the file folder, but I really rather ask her to show the documents to me rather than snooping. I kinda also want her to know that I am not going into this ride blindfolded. re: floridaman...you dont know me, so keep the insults to yourself. I have raised my kids their whole lives by myself. You have no idea the amount of work I do. She wanted to do the books, and she has done a good job with them..I just need to also be aware of whats there.

Is the Bush administration"doing right" by our veterans? Screwing the Troops A very old/good friend of mine named Jay told me a sad story, and I say that because I don't want you to think this is one of those my-neighbor's-gardner's-cousin's-friend-knows-a-guy type of deals. Jay is 53, his dad is 80 and in bad health. Jay's Mom can't give her husband the proper care he needs, so he has no choice but to live in a nursing home in rural Arkansas. He was in the Air Force for 23 years - shouldn't that count for something? You'd think 23 years serving your country for minimum f-ing wage would get you some retirement health care, and in this case he is getting it - but it comes with a catch: Since the government is paying the $4,000 a month it takes to care for him, when his wife eventually dies, the government takes possession of their paid for home. I told Jay I'd never heard of this before, and he said this was a new program those back-stabbing "we love the troops" Republicans passed when they controlled everything. I've known Jay 35 years, and talking to him yesterday was the first time I ever heard his voice crack with emotion. It's not easy to watch the Bush bastards steal your family home. Does anyone know about this? What's this "Screw the Troops" program called? Bush keeps whining that he needs all these extra hundreds of billions "for the troops," but where's that money going if not for their health care? And which Bush crony oversees this "We Steal Your Assets" program? This isn't right - that house belong to Jay and his brothers after his Mom dies, but the Bush bastards are going to steal their property and they have no choice. Can we help my friend Jay in any way? Who knows about this program? Who wrote this "Screw the Troops" legislation? Can we shed some light on this? Are there any Democratic ex-soldiers who can help? Why are our elected Democrats silent about this outrage? If we get some grounded-in-fact info, maybe I could ask you to send some letters of outrage to your favorite web sites and columnists so maybe we can get the ball rolling to stop this outrage. We're the richest country in the world, (or we were before Bush raped our Treasury,) but it's wrong to steal a soldier's house because he needed health care - don't you agree? So first, let's look around and talk to our military friends get try to come up with some info and accumulate some links on this viscious "We Steal Your Assets" program? Do today's soldiers know that the Bush bastards will steal their assets, too? If you know a military family, warn them that Bush is coming to steal your home. Maybe your parents should put their house in YOUR NAME so when the Bush bastards run an asset check they'll find out the former soldier is techinically "without assets."

Thinking about a Roth IRA and no load mutual fund? Does it matter where I open either a Roth IRA or a no load mutual fund, or are all the banks (brink-and-mortar) the same? How much should I put into a no load mutual fund annually? I think ING offers a Roth IRA option. While I don't mind using their savings account feature, would it be wise to invest in an online Roth IRA? Are there any advantages? If you feel you can shed light on either of my questions above, please do! Also, I'm 23, a year out of college, and I make about 36K annually, so any general saving for retirement advice would also be much appreciated. I've just about tucked away my 6-month cushion of living expenses into a savings account, so I'm looking to invest in my future now. Thank you!

I am a 26 year old looking to open an IRA or another retirement account...? I heard that Roth IRA is best... is this true? If so, what is best company to use for this- is ING good? Thanks

Another social security question!? I am 56. I would like to work to age 70. The social security calculator and my ING retirement calculator say I will have a combined annual income of $50,000 per year, at age 70. Sounds like a LOT now, but years later, will $50,000 be worth enough? Only bills I will have will be food, property taxes, etc. No mortgage, etc. Normal daily life stuff. No expensive hobbies. What do you all think?

Are some people just blind to the economy? I hear some people saying this economic crisis is just a mental thing. I had 122,000 in my retirement account. Since the beginning of the year I have dropped to 88,000. Last month I said screw this and took out everything and deposited it into an Orange Savings account from ING. At least with it with ING I am earning 3% intrest and my money is guaranteed against lost.

planning retirement early? i'm 22 and have a decent job. i'm starting to think about how i can put some money to the side (In case of Emergency), and i've seen a couple of online savings banks such as ING and others. would anyone help me find the best with a good interest rate that'll put my money to work smartly and safely?

do i have to get a 401k/ roth ira and/or money market investments to boost up my financial investment gains? i have a retirement plan from being a city employee, 457 deferred compensation through ING. i have it in part savings and part stock. do i still need a 401k/ roth ira and/or money market to boost up an investment gain?

Where to invest 10k for short term? I am looking for a place to invest 10k for the short term. I need an investment that might earn about 6 to 7% annually, but it doesn't need to be fixed income. Something with low risk such as A Money Market Fund or Bond Fund. I have this money sitting in my ING account and it's earning about 4.5% right now, but I'd like to do a little bit more with it. This is our so called "emergency fund" so I don't want to take alot of risk with it. I already have seperate investment and retirement accounts that I am taking a bit longer term approach with.