Question: Do I have to remove my money from my 401k when I retire from my company (UPS) even if I don't need it at the time of retirement? I know I can't contribute after I leave but is it ok to leave the money in there till I need it or this market turns around... (I'm being optimistic!) Patricia, Cleveland, OH

Answer: I like your optimism. The law gives company's a great deal of leeway when it comes to their retirement savings plan. The terms of the plan may say its fine to leave the money where it is for now or it may call for a fairly quick withdrawal. So, place a call to human resources and you'll get you the answer you need right away.

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