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For questions that relate to the laws, practices, and products of the United States.

2 votes
2 answers
184 views

2 active 401k plans

I contribute a maximum (18k) to my employers 401k. They give 5% match. It is a target fund ISJIX. When I look at the performance of ISJIX compared to the VTIVX (over last 10 years) I see a huge diff …
varm's user avatar
  • 331
6 votes
1 answer
3k views

How does the Spousal Surcharge generally work?

We are on my wife's health insurance policy. I have access to the insurance policy from my employer; however, for the past few years wife's policy was much better. This year wife's policy introduced a …
varm's user avatar
  • 331
3 votes
1 answer
288 views

What are the tax benefits when maxing out your 401k?

I would like to check if my understanding is correct. Let's say a person makes 100k and has an effective federal tax rate of 25% then: without contribution to 401k she would pay 25k in taxes. with m …
varm's user avatar
  • 331