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Very interesting discussion, to say the least. Not sure if this is actionable in any way (at least for me, yet). May be, Rick Ferri knew this profitability factor all along. That's why he reportedly owned BRK (if I remember correctly). VTI + VBR + BRK seems to be the low-cost secret sauce for market...

Yes, aced it. Agree with nisiprius, good set of questions for investing basics.

You mean this https://www.nysaves.com/content/agebased.html ?

bkkchris , here is how I do my mental accounting . I use LifeStrategy Growth in my Individual 401k accounts, which has 56/24/20 split of Total Stock Market / Total International Stock Market / Total Bond Market. Comparing expenses: Investor shares of TSM/TBM/TISM : .56*0.18+.22*.2+.24*.22 = .1976 A...

liuruyu wrote: Hum... wonder if Vanguard allows us to roll the solo at Fidelity over?

Yes, it does (at least, the last time I checked - Jan 2012).

There is a contribution form on their website you can download and you fill it out every time you make a contribution. Keep a copy for your records. 1. At this point in time, deposits into solo 401k can only be made via paper check (mail it or in person at your local branch). 2. Fidelity does not c...

First sentence in this section is pretty clear http://www.irs.gov/publications/p590/ch02.html#en_US_2012_publink1000231057 Are Distributions Taxable? You do not include in your gross income qualified distributions or distributions that are a return of your regular contributions from your Roth IRA(s)...

obliviousinvestor, how would it be different if it were a s-corp? Just curious. Thanks.

Then later when I am retired and in a much lower tax bracket, I can convert the traditional 401(k)/403(b) to a Roth IRA while paying almost no taxes. Livesoft, I though that to contribute to a Roth in any fashion there had to be earned income. Is that incorrect? That is not incorrect. You do need e...

mhc , as soon as I answered your question about the tax rate, the answer started to appear obvious. Ignoring the employee contributions (and other business expenses) for the moment, I could deduct $6,450 HSA + $11,000 health insurance premiums + about $25,000 (or bit more) employer contributions an...

Thanks for the bump. Surely, I missed adding something important. OP edited.

Admiral shares in Individual 401k, please

and +1 to better integrated mutual fund/brokerage

Hello Bogleheads, I have been a long time lurker on the forum who has benefitted immensely by moving to an index-only portfolio and simplifying my finances in the process. Thank you so much for providing this great resource. My first question is not so much about investment options or portfolio desi...