Search results

My megacorp's 401k is switching from mutual funds to trusts later this month. Oddly, they're doing this for the Vanguard funds available, touting the reduction of expense ratios... like going from 0.02% to 0.01% for the institutional S&P500 fund/trust. I would be excited if they were making such...

Is there a shared cap, limit or other mutual exclusivity between doing both a "traditional" backdoor Roth IRA and also a "mega" backdoor Roth IRA in the same year? DW and I are earned-out of normal "front door" Roth IRA contributions and plan to do after-tax (non-qualified, is that the...

I finally dug into the 529 fund details that my Mom as a Financial Adviaor got DW and I into 8+yrs ago for the benefit of DD and DS. With what I've learned about Expense Ratios, I was not pleased to learn these funds ran at between 1.0% and 1.2% when I reviewed them two weeks ago. "OK," I...

Hi folks, I'm looking for input & advice on investment strategies for minors; for DW and I, it is for our primary-school aged kids. Both already have 529s in our name with their For the Benefit Of. What I'd like to do is get Vanguard taxable accounts for each so they can see their own...

At my Megacorp, I'm fortunate to have a pretty good health insurance plan that qualifies as a high-deductible. For my two kids and I the deductible is $3750. DW has her own plan through Megacorp. Due to Psoriatic Arthritis, I'm on a very expensive biologic that is now almost $3k/mo. The...

Before I started thinking about min-maxing my investing, I didn't think about employer matching at the megacorp I'm at. I dialed up my contrib % as much as I could and knew I would get the half-percent employer match for each employee percent, capped at 3%-for-6%. Over a decade later, I'm...

Hi folks, I have read and understand the guidance (like boglehead wiki) on full-portfolio asset allocation where dividend and other income generating investments should be kept in tax advantaged accounts. Similarly, equity/stock investments can be in the tax disadvantaged accounts because their...

Hi, just found this site in the last two weeks and have been lurking, figured I'd add a login :) I'm 39, married (46), and have two kiddos (9, 6). Just starting to think more seriously and learn about this early-retirement concept. Wife and I fortunate to have sizable mid-100k salaries each and...