In Defense of the 401(k)
Some people don't like investing in index funds in retirement accounts. I don't have a problem with a little marketing hype, but when the facts are wrong I'm going to call you out on it.
Some people don't like investing in index funds in retirement accounts. I don't have a problem with a little marketing hype, but when the facts are wrong I'm going to call you out on it.
My annual partnership 401(k) report came in. It turns out that investing in stocks has been very profitable for the last five years. But there are a lot more insights to be gleaned from the data.
Who wouldn't love a larger Roth IRA, especially when the alternative is investing in a taxable account? Chad Chubb explains the Mega Backdoor Roth IRA.
Never heard of a 401(h)? You're not alone. But for the right person, this triple tax-free account can be awesome. It's the mutant child of a cash balance plan and an HSA.
P.A.s face similar financial issues to physicians, but with some key differences. But whatever your income, the first things you learn about personal finance and investing are very high yield.
A Roth conversion horse race is a great way to optimize your Roth to tax-deferred ratio for the same cost. Whether or not it is worth the hassle is up to you though.
Some high-income professionals hate personal finance and investing. If that is you, this post is for you. If that isn't you, send this post to someone you care about.
What do you do with the pennies your money earns between contribution and conversion to a backdoor Roth IRA? Not much.
In some respects, being in the accumulation phase of life is easy. But once you retire, you will have a whole new set of problems to worry about.
Phil Demuth explains what to do if you are a super-saver with an RMD problem. By using Roth conversions to ride the tax brackets, you can minimize the amount of tax paid.
Asset location is an advanced topic that few pay attention to, and most of those that do get it wrong. Expected return matters as much as tax-efficiency and there is no Roth IRA free lunch.
One of the best parts of being self-employed is you get to choose your own retirement plan. Of course, one of the worst parts is you have to figure out which retirement plan to use.
This Net Unrealized Appreciation strategy is a way to save tax dollars on the shares of your company stock inside your 401(k). It may be a great idea for you, but run the numbers first.
457s come with pluses and minuses. Just because you have access to one doesn't mean you should use it.
403(b)s are slightly different from 401(k)s. One significant difference is this special catch-up contribution.