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Results tagged with 401k
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user 25282
A 401(k) account is a tax-deferred retirement savings account setup by many employers for their employees in the United States. Employees can elect to contribute part of their earnings - either pre-tax or after-tax - to their 401k account and the employer will often make a matching contribution for a portion of it. The before-tax and/or after-tax contributions are subject to yearly limits set by the IRS. Related to the 403b and Thrift Savings Plan (TSP)
2
votes
23 Years Old, With No Debt. Invest into Rental Properties or 401K?
Currently where I live, people are buying houses for incredibly expensive amounts, similar to that of pre-'08. I have already seen large increases in house foreclosures in my area selling well belo …
- 21k
8
votes
Can't withdraw from 401k because plan trustee can't be found
According to this site:
If you think the plan trustees or others responsible for investing your pension money have been violating the rules, you should call or write the nearest field office of the U …
- 21k
2
votes
Is 401k as good as it sounds given the way it is taxed?
With a Roth 401k (or IRA), you don't pay any taxes on inflationary or real gains. You pay taxes at the beginning and then no more taxes (unless you invest money after you distributed from it). … With a regular, taxable investment account (not a 401k or IRA), you pay taxes on the initial amount. And then you pay taxes on the gains, both inflationary and real. …
- 21k
5
votes
Buying a house: Should we repay a loan and also borrow from the 401k?
That's around $47k a year ($18k 401k and $5500 IRA for each of you).
I'm guessing that you are relatively young and are both shortly out of college. …
- 21k
2
votes
Previous employer has not rolled over my 401k yet
This would be your broker or whomever (your new employer if rolling into another 401k). They should be able to update you on progress and let you know if you need to do anything. … There is no requirement that an IRA have 401k money in it. Just put the money in without the existing money. …
- 21k
5
votes
I am failing to see the purpose of a Traditional IRA for someone who already has access to a...
I'm ignoring rolling over a 401k into an IRA, as that doesn't increase the amount you can contribute. This does. … You can contribute the full $18,000 to the 401k and still make a full contribution to the backdoor IRA.
Without 401k
This is the tax advantaged form of an IRA. This avoids double taxation. …
- 21k
3
votes
Is it sensible to redirect retirement contributions from 401(k) towards becoming a landlord?
If your 401k has an employer match, you should almost certainly put enough in it to get the full match.
I prefer a ratio of 70-75% stocks to 25-30% bonds at all ages. … I would feel better about this purchase if you were saying that you were doing this in addition to your 401k. Doing this instead of your 401k seems sketchy to me. …
- 21k
3
votes
Accepted
Does it make sense to start saving into a 401k, if you might move out of the US before retir...
I do all my 401k management online, so I see no reason why that couldn't be done from a foreign country. … If your company's 401k broker doesn't support that, you could roll the 401k over into an IRA held with a manager that does support online management. …
- 21k
2
votes
Accepted
Why is my 401k manager recommending me to save more?
From the excerpt you posted:
Contributing the suggested 15%† or more?
This makes it pretty clear that they simply have a rule that people contribute 15% or more. It's obviously a silly rule i …
- 21k
-1
votes
As a 22-year-old, how risky should I be with my 401(k) investments?
You can max out your 401k and IRA now. Doing so even with a conservative strategy will produce big returns by sixty-seven. And perhaps more importantly, it helps keep your spending down. …
- 21k