Combination Fixed and Adjustable - Going to be in your house for just a few years? This type of home mortgage loan can start out as a fixed rate for a set number of years, keeping your rate and payments low, and then loan adjusts. Like adjustable rate, amount of adjustment is tied to an index that can go up or down. This loan is sometimes called a two-step or convertible ARM. Just remember, these loans usually go up after a set period of time, or if you have to convert after a few years it can cost you money. Be sure you understand your loan and when your payments could go up to avoid paying more than you have to.

Balloon - An interest only loan. You would only want to use this loan if you were only staying for a short time in your home. Because you’re only paying interest, and nothing towards principle, you don’t build any equity. At end of loan term, you have to pay balance off all at once, but few people ever keep these loans for entire term.

Having an understanding of these basic types of loans and combinations of them is key to finding mortgage loan that is right for you.

The biggest advantage you will gain is NOT letting your account value sink to such dismal levels that a 40%, 50% or greater gain is required just to get back to even.

This alone could significantly increase size of your 401 over time.

Is this only strategy that can safely increase your return rate on your 401k?

Not at all. You just need to know what most people won’t tell you. I have written a book on subject called “Scientific Wealth Strategies.” You can find it at http://wealthscientist.com

There are also a lot of resources available on net to help you understand what you can do with your 401k to maximize default returns no matter how your 401k is set up by your administrator now.

A site in our publishing network helps you find this information. It can be found here: http://www.401kinfo4u.com

The worst thing you could do is let your 401k lay almost dormant with minimum returns you are getting now. Calculate what it will be worth at retirement now as opposed to what you’d have waiting for you when you retire with 8% more in returns.

That should get you interested in seeking out education needed to realize a whole different kind of retirement nest egg!

C.C. Collins is a Financial Planning Advisor and Author of “Scientific Wealth Strategies” at http://www.wealthscientist.com Find more information at http://www.401kinfo4u.com